Health Insurance for Self-Employed

 Seniors 65+
 

• Often $0 premium with dental, vision, hearing, OTC, and more
   
• Chronic Special Needs Plans (C-SNPs) for diabetes, heart, etc.
   
• Dual plans for Medicaid + Medicare beneficiaries

 Healthy individuals needing gap coverage (e.g., between jobs)

• Affordable monthly premiums
   
• Flexible durations (1 to 12 months or more)
   
• Good for people not eligible for ACA subsidies

 Low-to-middle income individuals, families, self-employed, homeless
 

• Subsidies reduce premiums for most enrollees
   
• Covers essential health benefits (EHBs)
   
• Year-round Special Enrollment Periods (SEPs) available for qualifying life events

 Seniors, fixed-income clients
 

• Pays cash directly to the insured
   
• Covers deductibles, hospital stays, or burial costs
• First Year No Premium $3000
  accidental death Insurance
• Low-cost supplemental protection

Dental plan with immediate coverage for major dental work , no deductibles, and no Maximum amount insurance will pay

Business owners, LLCs, contractors
 

• Tax-advantaged for employer and employees Using HSA
   
• Can include PPO networks, dental/vision add-ons
   
• Helps employers attract and retain workers.
• Premiums as low as $32.00 per month
   

Bonus Tip: Offer both traditional group plans and ICHRA (Individual Coverage HRA) options.