Self-employed? Here's how to get great health insurance
Marketplace plans, health-share ministries, and small-group options compared.
Losing employer coverage doesn't have to mean losing good coverage. You have more options than most people realize.
Your main options: ACA Marketplace plans — the standard route, with premium tax credits if your income qualifies. Spousal coverage if married to someone with a group plan. COBRA for short-term continuity. Private direct-to-carrier plans. Health-share ministries (cheaper but not insurance). Association health plans through your industry group.
The right answer depends on income, family size, and whether you qualify for premium tax credits. A licensed broker is free to you and worth the call.
More on health
HSA: the most underrated retirement account in America
Triple tax-free, no use-it-or-lose-it, and an investing powerhouse if used right.
Open enrollment checklist: don't pick the wrong plan again
How to compare HDHP vs. PPO based on your real medical use, not the brochure.
Long-term care insurance: who actually needs it
The age, health, and net-worth profile where LTC coverage makes financial sense.
Disability insurance is more important than life insurance — here's why
You're far more likely to be disabled than to die during your working years.
Medicare 101: avoiding the penalties that follow you for life
The enrollment windows, Part B and D mistakes, and Medigap basics explained.