submitted 1 year ago by Moohamin12@lemmy.ml to c/asklemmy@lemmy.ml

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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:

Is there no way for an individual to get their own personal insurance and not be dependent on the company?
What about freelancers, business owners and retirees? Do they forfeit their insurances?

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[-] rsn@lemmy.ml -1 points 1 year ago

Yes, however it’s usually a little more expensive to get the same coverage, as the employer pays a part of employee’s insurance costs.
Forfeit? No, they’ll still need insurance (you get a fine if you’re without insurance for more than 3 out of 12 months (at least, I think that was the case)).

[-] Simpsonator@lemmy.world 1 points 1 year ago

On point 2, the individual mandate was repealed in 2018. There's no federal penalty for not having insurance.

[-] rsn@lemmy.ml 1 points 1 year ago

Apparently it is still upheld at the state level in 5 states.

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this post was submitted on 04 Jul 2023

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