Finally off my Parent's Health Insurance. Found a Local Solution in Miami

Last year I got booted off my parents’ health insurance. I run my own small business and also help out with my family’s, making around $65k a year. Not bad, but not enough to casually drop $600/month on ACA plans with super high deductibles and copays. Especially when I only go to the doctor a few times a year for basic stuff like antibiotics or labs. This past year, I honestly just stopped going to the doctor unless absolutely necessary because paying hundreds out of pocket felt ridiculous. But recently I got really sick again and felt like I needed to see a doctor.

I went to a clinic near my house in Kendall and noticed they were offering this thing called JustDirect. It’s basically a primary care membership. $75/month flat. No copays. Unlimited visits. All meds, labs, diagnostic scans, and even physical therapy included. They told me I could sign up and save on the visit instead of paying $150 for just that one visit (plus whatever meds or labs I’d need). Sounded like a no-brainer, so I signed up.

Honestly? Super glad I did. Got everything I needed, labs, antibiotics, visit, all covered. Also, there’s no long-term contract, so if I end up getting a job that comes with insurance, I can just cancel anytime. For someone young, generally healthy, and just needing reliable care without burning money, this has been a great setup. They’ve got clinics all over Miami too.

Figured I’d share in case anyone else here is self-employed or uninsured.