I am representative of our staff compliment at the moment! Ha ha. Unfortunately, as others with a serious pre-existing condition may be aware, I am covered by no insurance. It's good because I don't get hassled by annoying calls at dinner, it's bad because I have No safety net. It's one of the reasons I built my own business, created my own job...still no safety net though. When I have an employee? I'll still be small so we'll talk about what they need, immediate cost + long term employee security and come up with an appropriate fit. COVID concerns? I have my plan listed on my site, really just distancing and 'don't rush'. In regards to an employee: unlikely I will have one within that time alottment. COVID or not other than ICBC I am non insurable, coronavirus does not affect that. Unfortunately.