What is a good price of health insurance for an independent contractor?

Hello everyone, I am wondering if somebody can please give me some ballpark ranges of how much I should realistically be expecting to pay a month as an independent contractor buying my own health insurance.

In the past I’ve had insurance through my companies, but this is the first time I will work for myself so I’m not sure what to expect. I’ve called multiple insurance agents to ask for guidance, but they are so aggressive in trying to get me signed up on a plan, it makes me hesitant.

My income is about $80,000, so the agent told me she recommends I buy a marketplace plan at around $250-$350. I’m healthy, 24F, and hardly go to the doctor so this just seems so expensive to me. :/ Does this seem right?

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  1. That’s an average price yes. Insurance this year can’t exceed more than 8.5% of your income.

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  3. In theory the price of insurance isn’t driven by your need to go to a doctor often. It’s the coverage for a single injury that might result in $50,000 in medical bills that your insuring against.

    In practice, much of the cost actually goes to subsidize care for the chronically ill, but that’s the general idea.

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