[–] 14 points 2 years ago (1 child)

I'm not exactly an expert so please research all of this further, but my understanding is that you have a few options. In no particular order:

  1. COBRA. I know it's expensive ($800 / mo or more) but you're still getting the "group" discount your employer gets. Cheaper than buying insurance on the "open market" without getting your employer's group discount.
  2. Major medical. This is health insurance but only covers major incidents. No preventative care. Shitty but better than worst case medical problems bankrupting you.
  3. Open market insurance. Just buying straight from a health insurance company. Very expensive. Try Obamacare first.
  4. Obamacare. This has different names in different states. Tiered costs based on income. You'll want to research how it looks at income because this might inform the timing of leaving your job/current health insurance.
  5. No insurance. Terrible option, but you can go to the emergency room and they have to treat you.
  6. Other insurance. I believe some places like Costco (Sam's club?) offer health insurance for businesses.
    The whole thing is a confusing mess and no options are perfect.

Have you talked with other small business owners? Do you have connections to the business community that could explain what they do? If you don't have anyone to network with about this, FIND some people. Even just by walking into their business and telling your story. Many communities have business incubators or other networking for startups. At least one mentor could make a HUGE difference for you.

Is starting the business and ramping it up for some time THEN quitting possible? This could make sense for a lot of reasons, not just health insurance.

If nothing else, you could work long enough to save up 6 months or a year of COBRA and then quit to do your business full time.

Best wishes!

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  • submitted 2 years ago* (last edited 2 years ago) by to c/asklemmy@lemmy.world
     

    Phones could allow much higher security if they supported 2 factor authentication. This could be face/fingerprint along with a typed or swiped password. This seems like a simple solution that leverages software that is already implemented. Just make it an added option in addition to the existing one

    ETA: Sorry for the duplicate posts, I was getting error messages. Pls use this one.

    I am surprised there is confusion about what 2fa is. Here is a simple definition: https://www.microsoft.com/en-us/security/business/security-101/what-is-two-factor-authentication-2fa

     

    I'm looking to buy more CDs and expand my depth and breadth of metal music appreciation. Instead of "greatest hits" I'd like a studio (or live) album that is a shining example of a great band.

    I'll start:
    Ratt: Out of the Cellar
    Listen

    This was Ratt's breakthrough hit and debut album that put them on the map. Several hits on this disc like "Round and Round". Also a couple great songs that were not hits like "Lack of Communication" and "I'm Insane".

    Edit To Add: Some great responses below, thanks! Please feel free to ponder further and add to your response or respond again with other bands!

    Vector Pinball (kbin.social)
     

    I would like to recommend Vector Pinball to anyone with even a passing interest in video pinball or video games.

    I find this game to be very impressive, even more so as a free app on F-droid. I need to send this dev some cash, I have probably put >200 hours into this game and I am really enjoying it.

    Things I like:
    Physics are perfect.
    8 boards
    Each board plays very uniquely.
    Great depth of play, the boards are complex and take some work to unlock/see everything.
    Addictive.
    Some boards are very difficult.
    Unique look with vector graphics. Reminds me of Tron.
    Pretty good music.

    Things I don't like:
    My phone doesn't have pinball buttons. Doing that on the screen is a bit awkward. Workable but awkward.
    The ball can pass between your flippers with no chance to hit it. Often normal for pinball, this always annoys me. I think I should always have some chance to hit and save the ball.
    Show me my score and high scores as soon as I finish a game. I should not have to press a button or wait for the scrolling to see these.

    9/10

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