Your thoughts on AA and health insurance for the self-employed

Argh! I'm really stuck. I've had AA for 3.5 years now and until recently, had been spot-free since Xmas of last year. There is a 3cm on the top side of my scalp and I already went in to receive my requisite injections. Prior to this I had completely changed my diet and upon discovering that I'm anemic I am also Gluten and Dairy Intolerant.

We all know AA is sporadic, right?!! Well...my DH is on the verge of possibly being self-employed. So now we have to figure out the health insurance bit. If I didn't have AA I think it would be pretty straight forward since we are all pretty healthy...but you never know. If anyone out there has any advice, that would be wonderful. We'll be needing to go "extra" frugal for a while....but health insurance is not something I want to mess with. Obviously I don't know what is going to happen to the hair on my head. Will it stay or will it all go at some point? I've been working with a naturopath up until this point.....and well...I don't know if I can see her either. Insurance made me pay up quite a bit as they wouldn't cover all of her services. Although...I think I'm at a point where I can kind of chart myself. I understand the supplements I need....and I can shop online for good prices. I don't think I need acupuncture and I've been exercising more and that has helped a lot.

I have 2 young daughters as well. I would love to hear your thoughts. Thanks!!

Views: 9

Comment by Connie - Chris' Mom on October 5, 2010 at 11:36am
The biggest problem with health insurance and being self employed is the cost. In order to keep the price down you end up going with high deductibles which means you pretty much pay for everything anyway. We have family coverage with a $5,000 deductible and $40 doctor visits and pay over $700/month. I end up paying for all the lab work, etc for my son, with the only immediate savings being on the doctor visit itself (although I do pay a lower negotiated rate for the labs and services). I was really feeling "ripped off" with what I pay for insurance until last year when my husband had a ruptured brain aneurysm and then brain surgery. The bill ended up being over $300,000 and I only had to pay $7,500. - it really seemed like a good deal then!

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