I have been around in circles and I've read so much contradictory information, I don't even know what is right or wrong anymore. It seems like the past 3 years, reality has changed on the fly. I used to be self employed. I paid $200-$250 a months for decent BCBS insurance back in the 1000s. 80% typical kind of deal. I was in my later 20s & early 30s. Now, in my mid 40's, looking to be self-employed again. I also have a recently disabled wife on in late 30s on SS. They also pay my 3 year old for her disability (his birth caused her a stroke which was a 1-100,000 occurence), and her long term disability from work covers the rest of her %age of lost income. I am paying $1000 a month through my EMPLOYER for me, wife and son. No deductibles, just small copays, the best insurance I have ever seen. Obviously, she and my son could probably get medicare or medicaid? I don't have a clue what it would even entail or cover. All I read is it "sucks." And then there obviously is me looking to go back to running my own company. It seems the policies available to me are a joke. I almost don't have a specific question. Could anyone just chime in anything they know to be true that may help me in the right direction? Healthcare is my last hurdle to being self-employed again. Those who know more than me, if you were in my shoes, what do you know that I may not?