Being your own boss gives you access to unique coverage strategies. Here are the most effective ways independent professionals secure top-tier healthcare.
Premium individual plans customized by your projected business income. Many self-employed professionals unlock massive subsidies.
The Individual Coverage HRA allows you to give your employees (and yourself) a tax-free allowance to purchase their own personalized health insurance.
The Qualified Small Employer HRA is perfect for micro-businesses wanting to offer health perks without the administrative complexity of a traditional group policy.
Pair a low-cost High Deductible Health Plan with a Health Savings Account to turn medical expenses into a tax-shielding investment strategy.
Your health insurance isn't just an expense — it's a powerful financial tool. IRS rules allow qualifying business owners to deduct 100% of their medical, dental, and qualifying long-term care premiums directly from taxable income.
Rule: Deduction cannot exceed your business's net profit.
Rule: Ineligible if you can join a spouse's corporate plan.
Freelancer earning $80,000 in the 24% bracket
No matter your industry or entity structure, we match your entrepreneurial spirit with health insurance that protects both your health and finances.
If you have staff, you're not limited to rigid group policies. See how modern HRAs stack up against traditional coverage.
| Feature | ICHRA | QSEHRA | Classic Group Plan |
|---|---|---|---|
| Company Size Limits | No limit (Any size) | Under 50 employees | No limit (Any size) |
| Annual Contribution Caps | Unlimited | Strict ($6,350 / $12,800) | None |
| Who Picks the Policy? | Employee chooses | Employee chooses | Employer mandates |
| Vary Rates by Staff Role? | Yes, by distinct class | No, must be equitable | Very restricted |
| Tax Advantages | 100% Tax-Free | 100% Tax-Free | 100% Tax-Free |
| Admin Overhead | Moderate | Extremely Simple | Highly Complex |