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Hi there! We are the Curren Family. We traveled full time in our Airstream from 2013-2017 and now split our time between our small condo in Teton Valley, ID and the road.

As avid, outdoor, travel and adventure enthusiasts we are here to provide tips, advice, and inspiration to help you develop healthier and stronger family relationships.

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Tag Archives: individual health insurance

Health Insurance for the Self-Employed

Over the last 10 years, we’ve run into a lot of friends, relatives and acquaintances that were thinking about leaving the 9-5 hamster wheel and venturing off on their own. There are definitely a lot of perks. No set hours (unless you get a picky client), you can choose which clients or projects to take…

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  • Thank you for this post! I have been wondering how insurance works on the road for the self-employed, and we are kind of in the same boat as you guys. We have 2 kids, and don’t plan on having more. We have a HSA account, but the insurance is through my wife’s work (being that we are not on the road just yet). I am self-employed (I make YouTube videos), and we are almost at a point where she doesn’t have to work anymore with our business’s growth.

    Good idea about the catastrophic accidental insurance. Thank you again for this post. I would love to read a follow up post after you guys talk with your agent!ReplyCancel

    • Jess

      You are welcome!! I’m glad it was helpful. You YouTuber’s… yikes. I checked out your feed and its great! I thought blogging everyday was hard, but I think that would be more difficult!ReplyCancel

      • Creating a video everyday is a lot of work, but I love it! It’s a passion of mine. Thanks for checking out my channel! I hope you liked it! Hopefully one day ill be making videos from an airstream!ReplyCancel

    • Lane! What I coincidental surprise to see you in the comments. Are you planning on doing the RV thing? We have thought about it several times.

      Anyway, we do a high deductible HSA as well. I didn’t know about accident insurance and that does sound nice paired up with the HSA.

      Our plan ends in May so we will be interested to see how Obamacare has changed things. We’re a little nervous the rates are going to be much higher.ReplyCancel

      • Jess

        Hi Micah! Thanks for the comment. I, to, am interested to see what our options are under Obamacare. I wish with the whole thing would be scrapped, but since that’s not currently an option we’ll just have to make do. 🙂ReplyCancel

      • Hey Micah!! Big surprise seeing you here! How did you find this blog? Yes, we are still interested in the airstream lifestyle.ReplyCancel

  • Would love to know where you are finding health insurance for a family of 5 for $258/month? My wife and I are are both self-employed (i’m a photographer too) and we currently pay $600+ for the same 10k deductible HSA plan. Would love to know what company you are using. Happy to trade a family photoshoot for a sit down conversation about life on the road (we are planning on a year around the country when my youngest turns 6). We are in Colorado near Boulder…www.jameschristianson.com Shoot me an email if you can.ReplyCancel

    • Jess

      James – Absolutely! I’ll email you….ReplyCancel

      • Would love more info on what company you use also… hitting the road later this month and searching for coverage. 🙂ReplyCancel

        • Jess

          We are currently with HumanaOne. I have no experience on how vast their network is, etc, but we are fairly healthy and haven’t had to use it much so I like that it’s cheap. 🙂 We are grandfathered into a non-Obama care plan at least until December and then things might get a little more expensive after that. 🙁ReplyCancel

  • Hello, I’m a full-timer wanna-be looking at a launch date early next spring. This article was helpful. We mostly want insurance to cover the catastrophic things since our medical choices aren’t usually covered by insurance anyway. Things like home birth, etc.ReplyCancel

    • Jess

      That’s where the high deductible is handy. We recently went to do a blood draw for my youngest (allergy tests) and the financial lady was a little shocked I just wanted to pay for it and that my insurance wouldn’t cover any of it even though we were “in network”. I will happily pay per instance instead of an extra $300 per month. Grateful we are (mostly) healthy!ReplyCancel

  • Be aware that if you go to an ER “out-of-network” and you go beyond your “in-net-work” out of pocket max, that your insurance company MUST consider any Emergency visit as an in-network. Meaning, if you have an out of pocket max of 10k, and you end up with a 12k bill from an out of network ER visit/admission, you are only responsible for the in-network out of pocket max.

    Also, read up about “balance billing” and if you end up with one of these bills, make sure it’s legal to do so in the state that you received care. Many states now have laws against it.

    http://www.dol.gov/ebsa/faqs/faq-aca.htmlReplyCancel

    • Jess

      I’ll be honest – that totally just went way over my head. LOL! I’m going to have to go do some research. Thanks for the heads up!ReplyCancel

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