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Using a no-code hack to get cheaper health insurance

I'm turning 26 soon, which means as a self-employed freelancer in the USA I'll no longer be able to use my parent's health insurance. Well, it turns out that health insurance in America is expensive.

Who knew?

A few months ago I was skimming Hacker News when I read a comment that said their spouse had enrolled part time at a local university to get cheaper insurance.

Is that really an option? Could it work in every state?

You'd have to factor in tuition and how many credit hours are required as well as the annual insurance cost. Honestly there'd be no way to know what the best option was without literally reading the healthcare policy for every college in the USA. Which wouldn't make sense for anyone to do when they could just work some more gigs or get a full time job...

Anyway, I hate overspending and I'll happily sink hours into saving dollars, so I went ahead and read the healthcare policy at every public university in the United States and compiled it into a single Airtable database.

If you're cheap like me but not dumb like me, you can check out the first 101 universities at https://healthcareisdumb.com/

I'm still working on cleaning up the data for the other 200 or so universities that offer a health insurance option, so if you'd be interested in access to the whole thing make sure to subscribe to the email list.

PS: Please let me know if this website is actually useful to you or if you find health insurance through it. It will help me justify to my parents why I don't have a real job. Thanks.

on August 19, 2020
  1. 1

    did you end up enrolling in a university program in order to save on health insurance costs?

    1. 1

      I did not, just got the cheapest plan possible through the normal marketplace.