I work quarter-time at Gumroad, and I pay for my own health insurance ($950/mo for a family of 4). If Gumroad offered it, I would almost certainly still keep my own (unless it was at >50% discount). I prefer not having my health insurance tied to one source of income.
Oof, that's a pretty brutal deductible, although I assume you have an HSA paired with that. FWIW, I'm on an Aetna corp plan that isn't much better, half the deductible for 2x the price.
It’s a very high deductible plan ($13.6K) but otherwise had no problems with provider coverage. I’m in WA and the insurer is Molina. Found it through the ACA marketplace.
It's hard to explain just how alien "I prefer not having my health insurance tied to one source of income" sounds to the rest of the world, the idea that those two things are co-dependent is wild and scary.
It's an insurance policy, it has nothing to do with my work.
