I don’t have a choice at my employer.
However, this year I reached the top of my payscale - no more raises indefinitely. Even if I weren’t, salaries are frozen, indefinitely.
I’ve been considering asking my employer if they would hire me as an independent contractor at the same cost to them (perhaps less their 401(k) contribution to help sweeten the deal), and then forming a c-corp to hire myself. So far, the numbers look good, but the health insurance is the big question.
My wife and I are in our 40s and healthy with no children. We’d actually prefer to have some sort of catastrophic coverage and then pay out of pocket for routine stuff and hospital bills, especially if we could swing an HSA like we have now for our high deductible plan.
I googled self-employed health insurance and all I got was a bunch of scam/quote/useless sites though. Not sure where to find good info on what the costs would be and what options there are, plus it’s all subject to change virtually every year for the forseeable future.
I think the first step would be to find a doctor we like that will take cash, but assuming we did that, the rest of it is difficult to nail down.
before I went to town to work we got our health insurance through this company.
http://www.communicatingforamerica.org/
at that time the health insurance was underwritten by ...Life Investors? i think. It was a decent policy and we had no problems with claims. And don’t worry about it saying agriculture, it also includes small businesses.