You have to look at health insurance as part of the cost as doing business as a trainer, and it’s not cheap. I pay $1400/mo. for 3 of us. I would only ditch my day job & lose my insurance if it made the financial sense to do so. Let’s say the expense is $500/mo. – $6k/year pre-tax dollars. That’s a lot of workouts just to make up for that. But at some point, it may make sense to go out on your own once you get your training business built up. Then you can make the switch without becoming financially strapped. Good luck with your decision Kathleen.