Flashlight, if you'd prefer. Personally, I think a flashlight sounds like something you'd use to illuminate your goolies when indecently exposing yourself at night.
I use Humana. I'm single, 38, male, in good shape, non-smoker and I pay ~$180 a month for health insurance.
Get a high deductible. A low deductible is nice as part of a group plan, but when you're not on a group plan you're just over paying for extras. Instead, get a health savings account (HSA) and save income (tax free) for the purpose of paying for your health services before you meet your deductible.
Keep your health insurance primarily for major issues. You want insurance there if you get cancer or you're involved in a life threatening accident. You're better off paying for the minor things with an HSA.
For International travel, get travelers insurance. I spend a lot of time in Asia and I use FrontierMedEx. They'll pay your doctors fees in cases of an emergency and will fly you back to the US if you need major care. You only pay for travelers insurance while you're traveling and it's reasonably cheap too. I pay less per month for FrontierMedEx than I do for Humana.
Then you should have phrased your question to reflect the information you wanted to know. Whether I answered what you meant to ask or not should not matter - a "Thanks!" and an upvote should have been forthcoming because a member of the community answered your "general question" with quality information. There's no value in being snarky or disrespectful with anyone here just because (a) you asked a generic question, and (b) someone answered with a generic answer.
I think the comment above mine is meaning to be helpful because your account is new. Also, he's right. The comments here are usually not made to be conversational. Granted, people respond to each other, but usually comments refrain from chit-chat. Even adding a simple 'Thanks' will occasionally get downvotes because it's noise. People will often add some reason why they're saying thanks.
100% of my income comes from freelancing. I build web apps and APIs in Node.js. I charge an hourly rate and I bill once every 14 days. I only take on projects that are going to be at least two months in duration and I give my clients 14 days to pay after being invoiced.
I don't usually have much spare time, although it's not because of my billing practices.
If you're doing projects that are only going to last a week or two, just get 50% up front and 50% on completion.
We currently do not have a Google Reader compatible API that can serve as a swap-in replacement for your iPhone app. We're working on building an API and should have it ready for use in the coming weeks.
