Posted by u/sick_of_marketplace
Self-employed health insurance, what should I do?
Answered by Ask a Shop Owner ·
Family of 4, self-employed, health insurance is killing me. Any better options?
u/askashopowner Owner-business owner advisor
Top answer
Three real options. Marketplace with subsidies (if income qualifies). Health share ministry ($400 to $700/mo family, not insurance but works for most non-catastrophic needs, does have restrictions). Or an HSA-eligible high deductible plan through the marketplace paired with maxing your HSA.
For most business owners, the HDHP + HSA combo is the winner. Premium is lower, HSA contributions are triple tax-advantaged, and if you rarely use healthcare you build a medical retirement account.
Talk to an independent broker in your state, not a captive agent. They pull from all carriers and their fee is paid by the insurer, not you. Same quotes you would get direct, plus expert help.
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