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In New York State, try the Freelancers Union. http://www.freelancersunion.org/insurance/index.html

I used this a few years ago while working for a startup and I got a full plan (comparable to the average full-time job's plan) for half price (at that time, around $250 a month).

Worth a look. They are always expanding and trying to provide more and more benefits for the W2-challenged.



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