--107.77.xxx.x

I heard of a family of four locally that is paying ten thousand dollars a month for a family of four. I think Ocare goes by your income when charging for the insurance. You may want to think about that a little and find someone locally to talk to who is in your same situation. How old are your kids? I was paying for my own Horizon BC/BS and it was 800 dollars a month at age 62 and I had to take SS early to pay for that. Now I am on Medicare and they take a hundred and some out of that and I pay Medigap insurance at about $500 per quarter. So I am paying about three thousand a year as a retired 72 year old. --73.248.xxx.xxx

That's a very simple explanation of a complicated problem. And it varies greatly by state. --50.82.xxx.xx

Sink or swim. When you take chances like this, strange things happen to help you succeed. --50.32.xxx.xx

I am 42. Should have have mentioned that. Thanks for replies so far --107.77.xxx.x

Another thing I'd strongly consider before cutting the cord on the W2 job would be deciding if I was done with getting new mortgages or loans from the banks. I had tried taking out a loan several years ago, working solely through the LLC. I put up a house that was owned by the LLC as collateral and took out a loan against it. However, I had to personally guarantee the LLC (which made sense, because it was a single-member LLC), and then my husband had to personally guarantee me (because I was a SAHM with no W2 income). The bank didn't care that the biz was bringing in $x/month or $y/year or that the value of the house was about twice as much as the amount of the loan-- the bank just wanted that loan to be guaranteed by someone with a W2 job. --96.46.xxx.xx

Could you work with your employee to keep your current insurance, perhaps working there one or two days a week? Negotiate with them for services? --99.203.xx.xx

Contact a local healthcare provider, we have United Health care that is a group plan even though we are both self employed. --173.216.xxx.xxx

When you look at the ACA plans in your area... look to see the prices at different ages. At least in my area I would not mind the premium price at age 42. However, in my area, there is a BIG increase when you turn 50, and another BIG increase at age 60. --47.12.xxx.xx

Foueteen hundred per month per person and that makes 2800 per couple? That's insane. You are paying someone else's way just like all insurance does but in the case of Ocare, that someone else is paying nothing. Normal insurance is capitalistic socialism where we all pay in and then we take out when we need it and it's run by a business usually. With Ocare those with money pay in and those who don't work pay nothing. That's just pure socialism. --73.248.xxx.xxx

Needless to say, the wife getting that job was good thing. For the self employed, health insurance costs are very steep and have risen sharply. I'd hate to think how much family coverage would cost now. If a couple is paying 2800, I'd have to think family coverage would be nearly 4000 a month now. --209.122.xx.xxx

You are asking a rather personalized question though as everyone's spending patterns are unique. --72.23.xxx.xx

You are asking a rather personalized question though as everyone's spending patterns are unique. --72.23.xxx.xx

Neither my wife or I have a job. We live well off the rentals. I am early 50s, she is late 40s. The health insurance for the two of us is steep at $1450 a month with 5000 deductible per person. That’s the only drawback to not having a job. Buy an extra rental to cover the extra health insurance cost. --75.141.xxx.xxx

Too complex to completely cover in this forum as WMH says. Good luck. --99.92.xxx.xxx

Fear is running your life right now. The first leap is the hardest. Take it and don’t look back. 2020 is a fear based goal. Change that to January 15th, 2019. --73.177.xxx.xx

At age 41 in 2013 I quit my $200k W2 job. At the time had a good nest egg and 23 free and clear. Fast forward 5 years and we have 35 free and clear homes and money is not an issue. But if you are a social person you may want to think twice about your dream. At your age none of your friends have any freedom and you can quickly become exiled. Socially, work (W2) is what so many of us have in common, and when that goes away it is very different. Personally I am happy I quit, but even for a introvert it was quite an adjustment. Good luck! --142.54.xx.xxx

All you folks that have free and clear houses that support you, I congratulate you! Awesome! What you have accomplished is my goal. Thanks for showing it is possible. --65.188.xxx.xx

I also have copays of $20, $40 and $50 for different services. --72.70.xxx.xxx

We chose no coinsurance. The good news with our plan is once you hit the 13k OOP, you are done. Of course, that's if all the services are provided in-plan. --50.82.xxx.xx

If you and your family make frequent trips to the Doc for chronic conditions and plan to continue this method of dealing with these conditions - then you would likely prefer a vastly different policy than I. --72.172.xxx.xx

Our plan is considered a "catastrophic illness" plan as it is the lowest premium price available with a high deductible. We pay more for services if we do go to the doctor, and not as many services are covered. But if we get seriously sick, we have a max OOP which we can budget for each year. --50.82.xxx.xx

That's my plan at least. --199.253.xxx.xx

BRAD --73.102.xxx.xxx

If you're not eligible for a program like that, if you can figure out a way to form a company with as few as two employees you'll be eligible for a business plan, which should be more affordable. Sure wish someone would come up with something for landlords, but since the majority of us have grey hair by the time we quit the day job, it would probably be too expensive! --204.210.xxx.xxx

Frank,I think you’ll be alright .But like Deanna says if you ever need to borrow ,you can’t beat the day job. And the comaraderie.Miss Ally, and WMH, you both have been posting here and seem like fairly intelligent people, Why in the name of all that’s Holy don’t you tell those insurance carriers to shove those policies where the monkey shoved the nuts.Im only a country boy from the wilds of Co Derry. And don’t want to spell it out for you .but if I have to I will. If you put those premiums in a mutual fund even one that isn’t performing the way it should you’ld be miles ahead, even an old sock. Neither of you get sick that much.............. Charlie.....,,,,,,,, ,,,,,...... --32.214.xxx.xx

And follow Brad 20,000s advice!!! --32.214.xxx.xx

Our local manufactures association offers a group medical insurance plan --72.23.xxx.xx