Health Coverage Guides for the Self-Employed

Alternative to Obamacare for the Self-Employed: A 2026 Decision Guide

Self-employed workers who earn above the ACA premium tax credit subsidy threshold — approximately $62,600 for a single filer or $128,600 for a family of four in 2026 — face full unsubsidized Obamacare premiums that often make alternatives more financially viable. The...

Understanding What Is a Self Funded Health Plan and Its Advantages

A self-funded health plan is a coverage arrangement where the plan sponsor pays medical claims directly from a dedicated funding pool rather than buying coverage from an insurance carrier. The plan uses a third-party administrator and stop loss insurance to protect...

Can a Single-Member LLC Get Group Health Insurance

For traditional small-group health insurance, the answer is generally no — most small-group plans require at least one W-2 employee besides the owner, which excludes single-member LLCs operating without staff. But the question is incomplete. Captive group health plans...

ACA Marketplace for the Self-Employed: When It Works and When It Doesn’t

The ACA marketplace works well for self-employed workers whose household income qualifies for premium tax credits — generally under 400% of the federal poverty level, approximately $62,600 for a single filer in 2026. Above that threshold, self-employed earners pay...

Health Coverage for Solopreneurs

The day you went self-employed, the health insurance system stopped making sense. Every guide says 'check the marketplace.' That works if you qualify for subsidies — but for higher-earning self-employed people, the unsubsidized cost can be crushing, and the standard...

COBRA vs. Self-Employed Health Insurance: How to Compare Your Options

COBRA continuation coverage lets you stay on your former employer's health insurance plan for up to 18 months after leaving a W-2 job, but you pay the full premium plus a 2% administrative fee — typically two to three times what you paid as an employee. For...