Health
Health coverage that fits how you actually work.
W-2 employees mostly take what their HR team gives them. Everyone else, self-employed, between jobs, small-business owners, freelancers, is on their own. We help you choose the right plan, structured alongside your tax and cash-flow picture, not in a silo.
Book a CallWhat it is
- Health-insurance placement across ACA marketplace plans, off-marketplace individual plans, short-term coverage where appropriate, and small-business group plans.
- Subsidy eligibility analysis when ACA premium tax credits are in play, coordinated with your tax-bracket strategy.
- Coverage during transition windows, between employment, post-COBRA, pre-Medicare, without gaps.
- HSA-eligible plan selection where it fits, including the long-term wealth-building case for HSA contributions.
Who it fits
- Self-employed professionals, consultants, and freelancers buying coverage outside an employer.
- Small-business owners deciding between group coverage, individual coverage HRA (ICHRA), and reimbursement strategies.
- People in transition, between jobs, post-startup-exit, early-retired, or before Medicare eligibility.
- Households who want their health-coverage decisions made alongside their tax, retirement, and savings strategy, not in isolation.
Common questions
What buyers usually want to know.
Can I get health insurance outside of open enrollment?
Generally only if you have a Qualifying Life Event (job loss, marriage, birth/adoption, divorce, loss of other coverage, moving to a new coverage area). A QLE opens a 60-day Special Enrollment Period during which you can buy ACA-compliant coverage. Short-term plans and association plans may also be available year-round in some states, but coverage and consumer protections vary.
What is an ICHRA and when does it make sense?
An Individual Coverage HRA (ICHRA) lets a small business reimburse employees (tax-free) for individual health-insurance premiums and qualified medical expenses, instead of buying a group plan. It often makes sense for small employers with a varied workforce (different ages, family sizes, locations) because employees can choose plans that fit them while the employer caps its monthly contribution.
How do ACA premium subsidies work for the self-employed?
Premium tax credits are based on Modified Adjusted Gross Income relative to the federal poverty level. Self-employed buyers have meaningful control over MAGI through SEP-IRA / Solo 401(k) contributions, HSA contributions, and deductible business expenses, which can move you into or out of subsidy ranges. We coordinate these moves with your tax preparer, the wrong order of operations can cost you the subsidy.
Is a high-deductible health plan with an HSA worth it?
Often yes, if you can afford to cover the deductible from cash flow. HSAs are the only triple-tax-advantaged account in the code: deductible going in, tax-free growth, tax-free withdrawals for qualified medical expenses. After age 65, non-medical withdrawals are taxed like an IRA. We treat the HSA as a long-term wealth bucket, not just a healthcare account.
What's the difference between marketplace and off-marketplace plans?
ACA marketplace plans (Healthcare.gov or state exchanges) are eligible for premium tax credits if you qualify. Off-marketplace plans are the same ACA-compliant plans from the same carriers, sold directly, no subsidy eligibility, but sometimes more network or plan options. If you don't qualify for subsidies, off-marketplace is often equivalent or better.
Do you place health insurance everywhere?
We work in most states for individual/family and small-group placement, with the exact carrier and product set depending on state. Tell us your state on the strategy call and we'll confirm what's available before any application.
Talk through your situation in 45 minutes.
Share what you’re trying to solve. A licensed advisor will tell you whether this product fits, or whether something else does.
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