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> Is it really that hard to manage your own health insurance plan and deduct taxes?

No, but it's hard (for many) to actually find work then negotiate a price. And for certain types of problems that people want to work on, there won't be many non-employe openings. Dealing with large bodies of sensitive data, for example, would be one I'd think it'd be harder to find consultant positions - not impossible, but more difficult.



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