No employer plan? You still have strong options. Compare private PPO plans, ACA coverage and small group plans side by side with a licensed advisor, and find the one that fits your income, your doctors and your business.
Get a Free Quote →📞 (800) 939-3330 ext 150If you earn your living on your own, you buy your own coverage. We help people like this every week:
Your income changes, your schedule is your own, and no HR department is picking a plan for you. Here's every realistic path.
Individual PPO plans offered outside the ACA marketplace, built on large national networks such as Aetna, First Health and PHCS. They're priced on your health profile rather than your income, so a good year in your business doesn't raise your premium.
Usually a good fit: people in average health, including conditions managed mostly with medication, such as high blood pressure, high cholesterol or thyroid conditions.
Generally not a fit right now: anyone currently in treatment for a major medical condition, such as active cancer treatment, dialysis or an upcoming major surgery.
Every application is reviewed individually, so the simplest way to know is to ask.
Guaranteed-issue plans through HealthCare.gov or your state exchange, like Covered California. Subsidies are based on your estimated net self-employment income, which can work well in a lean year but means reconciling at tax time if income comes in higher.
Once you have at least one eligible employee who isn't you or your spouse, you may qualify for a small group plan. Group plans can offer richer benefits and let the business pay premiums. Employer group health insurance →
Instead of a group plan, a business can reimburse employees tax-free for individual coverage they choose themselves. A QSEHRA is for employers with fewer than 50 employees; an ICHRA works for any size and lets you set allowances by employee class.
A routine-care plan with copays paired with a catastrophic cost-sharing layer can cost far less than a full-price ACA plan. It isn't insurance and has its own guidelines. Health sharing vs. insurance →
Not sure which path fits your business? We'll compare them all for your age, ZIP code and income.
Compare My Options →Book a ConsultationFind the row that sounds like you for the best place to start.
Self-employed health insurance deduction. If you're self-employed and not eligible for an employer-subsidized plan through your own or a spouse's job, you can generally deduct premiums for yourself, your spouse and your dependents. It's an adjustment to income, so you get it whether or not you itemize. See the IRS page on Form 7206.
Health Savings Accounts (HSAs). Pairing an HSA-eligible high-deductible plan with an HSA lets you set money aside tax-free for medical costs. Ask us which plans in your area are HSA-eligible.
We're insurance advisors, not tax professionals. Check with your CPA or tax preparer about your own situation.
One conversation covers every option, at no cost to you.
Private PPO, ACA, group and HRA options side by side, priced for your household.
We check your doctors and hospitals against each plan's network before you apply.
We usually reply within one business hour, and most private plans can start the first of next month.
It depends on your health and income. For healthy households with income above the subsidy range, a private PPO plan is often the lowest-cost option with the broadest network. For lower or uneven incomes, or anyone in active treatment, a subsidized ACA marketplace plan may be the better choice.
A single-member LLC with no employees usually buys individual coverage, not a group plan. Once the business has at least one eligible employee who isn't the owner or the owner's spouse, it may qualify for a small group plan or an HRA.
Private medical plans generally accept applications year-round. ACA marketplace plans require open enrollment or a qualifying life event, such as losing other coverage.
Generally yes. Self-employed people who aren't eligible for an employer-subsidized plan can usually deduct premiums for themselves, a spouse and dependents as an adjustment to income. Confirm the details with your tax professional.
No. Private plans are priced on age, location and health profile, not income. That means no subsidy reconciliation at tax time, which many business owners prefer.
Yes. Both private PPO plans and ACA plans can cover your spouse and children on one policy.
A 15-minute call is usually enough to rule options in or out and show you real prices for your household. No cost, no obligation.
Get a Free Quote →Book a Consultation📞 (800) 939-3330 ext 150Insure Health Plans | Compare Healthcare Insurance & Medicare Plans — National Producer License # 2764713, CA Ins. Lic. # 0G03485. We are an independent insurance agency, not connected with or endorsed by the U.S. government or any government program, including HealthCare.gov or Covered California. Plan availability, benefits, eligibility and underwriting vary by state and carrier, and approval for medically underwritten plans is not guaranteed. Health sharing arrangements are not insurance. This page is general information, not tax or legal advice.
