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Back to the home page and map, from TryOwning · Consulting or agency · Lesson 6
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Consulting or agency · 14 min

Your first year

The first year of a consulting practice is mostly waiting: for the first yes, for the work to fill your weeks, and for invoices to be paid. The way through is to start finding work before you need the money, and to save enough to wait.

HOURS
Ticket 01 · The guess

What does health insurance cost on your own?

At a job, your employer pays most of your health insurance. Buying your own plan instead, what's the average monthly price of the benchmark plan for a forty-year-old in 2027, before any tax credit?

$200/month
$0/month$1,500/month
Words to know

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Tell us what looks off. No name or email needed.

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0 / 1000

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Sources and every number (2)

Sources

  • Average monthly Marketplace premiums by metal tier (average benchmark premium for a 40-year-old), 2027 · KFF, 2027
  • 2026 Employer Health Benefits Survey: average premiums and worker contributions for covered workers with single coverage · KFF, 2026

Every number

  • $704/monthkff.org ·2027 · Average benchmark premium (the second-lowest-cost silver plan) for a forty-year-old buying their own plan, United States, 2027, before any premium tax credit.
  • $1,041/monthkff.org ·2027 · Average benchmark premium for a forty-year-old buying their own plan, New York, 2027, before any premium tax credit.
  • $625/monthkff.org ·2027 · The same average for the United States in 2026.
  • $1,672/yearkff.org ·2026 · What covered workers paid toward single coverage at their job in a year, on average, 2026.
  1. Lessons›
  2. Industries›
  3. Consulting or agency
  • ·Before this: Setting up the practice
  • ·Free guide: How consultants make money
Skip to the lesson
Back to the home page and map, from TryOwning · Consulting or agency · Lesson 6
Part 1 of 3Part 1 of 3, 0 done

Consulting or agency · 14 min

Your first year

The first year of a consulting practice is mostly waiting: for the first yes, for the work to fill your weeks, and for invoices to be paid. The way through is to start finding work before you need the money, and to save enough to wait.

HOURS
Ticket 01 · The guess

What does health insurance cost on your own?

At a job, your employer pays most of your health insurance. Buying your own plan instead, what's the average monthly price of the benchmark plan for a forty-year-old in 2027, before any tax credit?

$200/month
$0/month$1,500/month
Words to know

Spot something wrong?

Tell us what looks off. No name or email needed.

What kind of problem?

0 / 1000

We'll also send this page, the lesson, ticket 1, so we can find it. Nothing else. Privacy

·
Sources and every number (2)

Sources

  • Average monthly Marketplace premiums by metal tier (average benchmark premium for a 40-year-old), 2027 · KFF, 2027
  • 2026 Employer Health Benefits Survey: average premiums and worker contributions for covered workers with single coverage · KFF, 2026

Every number

  • $704/monthkff.org ·2027 · Average benchmark premium (the second-lowest-cost silver plan) for a forty-year-old buying their own plan, United States, 2027, before any premium tax credit.
  • $1,041/monthkff.org ·2027 · Average benchmark premium for a forty-year-old buying their own plan, New York, 2027, before any premium tax credit.
  • $625/monthkff.org ·2027 · The same average for the United States in 2026.
  • $1,672/yearkff.org ·2026 · What covered workers paid toward single coverage at their job in a year, on average, 2026.
  1. Lessons›
  2. Industries›
  3. Consulting or agency
  • ·Before this: Setting up the practice
  • ·Free guide: How consultants make money