Hello everyone, Marianne here. I have found this forum very helpful and it has helped me already with a number of questions. For that I am very thankful, but today I have one more question. I am officially starting my photography business - registering the name, etc. This means I am now self employed. So one thing I need is health insurance. I have looked for affordable health insurance for self employed individuals and was shocked by how expensive it is. Most of the plans have premiums starting $400 per month and up. What's worse and makes the health insurance totally useless is that it has huge deductible - around $7,000 per year. So what's the point of having insurance if it will never kick in because you need to spend $7,000 per year out of pocket first. I looked at a lot of websites but got the same result. I am very frustrated. I don't think an average self employed individual pays half a thousand dollars per month with a $7,000 deductible. So I must be looking in the wrong places, there must be other solutions. I know it depends on which state you are in (I am in New York), but maybe you can help me out and point me in the right direction, websites where I can find something reasonable. Thank you so much for your help.