this post was submitted on 04 Jul 2023
0 points (NaN% liked)

Asklemmy

43962 readers
1495 users here now

A loosely moderated place to ask open-ended questions

Search asklemmy 🔍

If your post meets the following criteria, it's welcome here!

  1. Open-ended question
  2. Not offensive: at this point, we do not have the bandwidth to moderate overtly political discussions. Assume best intent and be excellent to each other.
  3. Not regarding using or support for Lemmy: context, see the list of support communities and tools for finding communities below
  4. Not ad nauseam inducing: please make sure it is a question that would be new to most members
  5. An actual topic of discussion

Looking for support?

Looking for a community?

~Icon~ ~by~ ~@Double_A@discuss.tchncs.de~

founded 5 years ago
MODERATORS
 

Hello,

I have a question about the healthcare insurance in US.

I have heard that it is tied to your employment and the company provides for it.

So here are a couple of questions:

  1. Is there no way for an individual to get their own personal insurance and not be dependent on the company?

  2. What about freelancers, business owners and retirees? Do they forfeit their insurances?

top 3 comments
sorted by: hot top controversial new old
[–] Nightmaru@lemmy.ml 1 points 1 year ago (1 children)

There is a way, and it is required, but it is much more expensive; therefore people usually pay for the least amount of coverage.

If you fall under a certain income threshold you can get free healthcare through medicare/aid.

[–] Moohamin12@lemm.ee 0 points 1 year ago
  1. What would be the difference in price? Just a ball park figure if you have it.

  2. What about freelancers and people that don't work traditional jobs?

[–] pinwurm@lemmy.ml 1 points 1 year ago

An individual can sign up for a plan through their State’s health insurance exchange or the federal government’s HealthCare.gov website.

It is usually more expensive than getting it through an employer - but works to serve small business owners, freelancers, etc.

A few States (like Massachusetts) have semi-universal systems that cover all individuals that earn under 150% of poverty, independent students, newly unemployed, etc.

A lot of Americans are also covered under Medicare, Medicaid , Social Security and other programs.

Retirees aged 65 and older are eligible for Medicare - a semi-universal federal system that covers pretty much everything and accepted most places.