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In the fall of 2025, I opened my health insurance renewal notice and just about fell out of my chair. My premium was set to jump to almost $1,200 a month. I was already paying close to $900 a month, and that was WITH help from the ACA. As a solo business owner, that isn't a line item you can shuffle around, so my plan was to go without insurance and pay cash for everything. It felt terrible, but I didn't see another option. If open enrollment season has you dreading your own