BG, I had HMO before and I went to both Sharps and Scripps. So, you don’t have to get Kaiser’s HMO. I’m not self employed, so I don’t have to worry about self-employing. However, my point is, freelancers tend to get paid about 80-100% higher than their W-2 counter part. That 80-100% extra pay is supposed to be for paying for these insurance and such. If you don’t want to deal with that, you can try and get a job at a corporation then. They’ll take care of your health insurance for you.
You’re right, I’m an anomaly. If I followed the heard, I would have bought my 1st home in 2005 and today, I’ll be in a financial disaster. But I’m not alone either. You just have to think beyond your next pay check. I’ve been maxing your my 401k since the 1st day of my 1st full time job. I’ve been living well under my mean since day one. If everyone have been doing that, even $8k/year to pay for health insurance when you’re older wouldn’t be too big of a deal.
