Contracting and medical Benefits in NY/NJ

Nem

I've been having a tough time finding a full-time IT position that offers full-benefits (medical, dental, vision, 401k, etc). So, I am considering doing a long term contract, but I don't know how I will be able to cover my medical bills etc.

Is there anyone else in my boat in NJ or am I the only one? Should I just use the NJ and federal 'Just don't get sick' approach to health care?

Anyone have any ideas?

TIA

dynamik

Have you thought about just purchasing health insurance yourself? If you're healthy and want to keep your rates low, get a $5k or higher deductible (this is what my wife and I do -- we pay about $200/month). I'd be nervous about not having any coverage. A swift change in luck could leave you hundreds of thousands in debt.

Nem

Yeah.. for any semi-decent coverage in NJ I checked out a couple.. Horizon of NJ is about $550 a month. Everything is capped.. RXs cap is $2500 a year etc. Really stinks esp if you are currently under a doc's care.

LBC90805

I hate insurance and the methods of business they employ in the U.S. of A. I currently dropped my insurance with my agency I work through. Pretty much I had to pay the insurance company $1144 a year for $1000 worth of PPO. Needless to say I found that out too late, but lucky for me I only paid in about 8 months of Insurace so I wouldn't get screwed out of $144, the difference between their coverage and how much I would have paid in to that coverage.

Insurance in the USA is a Joke.