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:

  1. Is there no way for an individual to get their own personal insurance and not be dependent on the company?

  2. What about freelancers, business owners and retirees? Do they forfeit their insurances?

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1 point

On point 2, the individual mandate was repealed in 2018.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

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1 point

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

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