Homer, worst case scenario, you can get on a state program, though it is expensive, about $600/month. If you are in IL, I'm not sure what they have, but odds are, they got something. I would not wait for health care reform, as that won't take affect until '14...if ever. It's really not reform anyway, it's Medicaid expansion, and as a single guy with no kids, you'd have to be under $12-14K to qualify. If you are wondering about a specific thing, shoot me a pm and I'll look into it. However, don't let it stand in the way of your dreams...as you as you do things properly, health bills can't be a reason to make a lien against your business, if you set it up properly. I do know many policies only consider it active if you have had issues in the last 3 years...of course, one trip to the doc, that'll stop that.