I work for myself. I have to buy my own independent health insurance and its cost is insane. My insurance, a PPO, and out of pocket expenses cost me more than my monthly mortgage. I am my own group and it sucks. Unfortunately people forget about the small business that just can’t afford it, or barely afford it. We have no other option; we are not protected by the same rules and we can be dropped at a moments notice if they decide they don’t like something.