Health Insurance Strategy
As a 1099 professional, your healthcare options don't always fit into the traditional insurance system. There are unique pitfalls, gaps, and costly mistakes that require a smarter, customized strategy.
CONTEXT FOR INDEPENDENT EARNERS
The Reality for 1099 Professionals
Navigating the individual market can be frustrating. Most professionals I meet are facing one of these three challenges.
Ironically, the more successful you become, the worse traditional health insurance tends to get.
Rising Premiums
- •Unpredictable rate hikes every year.
- •High deductibles that make care unaffordable.
- •Subsidies disappearing as income grows.
- •Premiums increase as income grows, not as health risk increases.
Limited Networks
- •Forced into narrow HMO networks with limited provider choice.
- •Need for referrals to see specialists.
- •Travel coverage is often non-existent.
Overwhelming Options
- •Confusing jargon and "metal tiers".
- •Hidden exclusions in policy details.
- •Endless research with no clear strategy.
How We Solve This
We help self-employed professionals, business owners, and high-income earners move away from income-based marketplace plans and into tailored private health strategies built for stability, flexibility, and long-term protection.
Designed Around You, Not Your Income
Instead of a one-size-fits-all ACA plan that increases as your income rises, we design coverage around your actual health needs, business structure, and financial goals.
Real Solutions, Not Limited Choices
We work with both medically underwritten plans for healthy individuals and private options that accept pre-existing conditions from day one — giving you real solutions, not limited choices.
Problems We Solve for the Self-Employed
Private health strategies address the unique challenges you face:
Premiums increase as income rises
Losing subsidies after a strong business year
Being forced into narrow HMO networks
Limited provider access when traveling
High deductibles with little usable coverage
Owing money back to the IRS due to income changes
Lack of flexibility in plan design
Lack of PPO access nationwide
3-step process
A clear, strategy-first approach to building sustainable health coverage around your life and business.
Assess Health & Financial Structure
We evaluate:
- Health history
- Prescription needs
- Travel frequency
- Business structure (LLC, S-Corp, 1099, etc.)
- Tax strategy
Not tied to income estimates or government subsidies.
Build a Tailored Private Strategy
We compare:
- Nationwide PPO networks
- Plans with day-one pre-existing coverage
- Lower deductible options
- Fixed-rate protection plans
- HSA-compatible structures
- Telehealth and wellness benefits
Your plan is built around how you actually live and run your business.
Structure for Predictable Costs & Tax Efficiency
We help:
- Reduce exposure to income-based premium spikes
- Lock in rates where possible
- Integrate premiums properly within your business for maximum deduction
- Avoid subsidy repayment risk at tax time
Benefits of Private Health Plans
Nationwide PPO Coverage
Access doctors and specialists across the country without needing referrals. Great for those who travel.
Fixed Rate Protection
Lock in your rates for up to 3 years, avoiding the annual volatility of the public marketplace.
Lower Deductibles
Plans often feature significantly lower deductibles and out-of-pocket maximums than comparable ACA plans.
Telehealth Included
Many private plans include $0 copay telehealth services for 24/7 convenience.
Long-Term Stability
Coverage designed to stay with you year after year, rather than resetting annually.
Important Tax Advantages
Smart structuring can turn your health coverage into a tax-efficient business expense.
Private health insurance premiums may be 100% tax-deductible, depending on how you're structured — creating potential tax savings year after year.
By pairing a High Deductible Health Plan (HDHP) with an HSA, you can contribute pre-tax dollars to pay for medical expenses. Unused funds roll over year-to-year and can be invested tax-free, serving as a powerful retirement vehicle.
Depending on your business structure, premiums may be deductible as a business expense. We work alongside your CPA to ensure your policy is set up to maximize these benefits according to current IRS guidelines.
Why Work With Me?
Advocacy, Not Just Sales
Unlike captive agents who represent a single carrier, I'm an independent broker. My loyalty is to you — not the insurance company.
Because I'm not tied to one carrier, strategy always comes before products. Your coverage is built around your goals, not a quota.
- Annual policy reviews to protect your value.
- Direct access to me — no 1-800 call centers.
- Personal claims guidance and support.
- Long-term planning, not one-time enrollment.