Insurance Insights & Guides
Plain-English guides on health, dental, vision, supplemental, and family insurance — written by licensed agents who do this every day.
Estimating ACA Subsidies When Your Income Changes Month to Month
A practical method for estimating ACA subsidies when your income swings month to month, plus how year-end reconciliation works.
How to Write Off Health Premiums as a Self-Employed Worker
A deep dive into the self employed health insurance deduction: who qualifies, how it works, and how it interacts with marketplace subsidies.
1099 Health Insurance: What Independent Contractors Need to Know
A practical guide to buying and deducting health coverage when you earn 1099 income instead of a paycheck.
Health Insurance for the Self-Employed: The Complete 2026 Guide
No employer plan means you're in charge — and that can work in your favor. The complete guide to coverage for the self-employed.
Health Insurance Options When You Leave a W-2 Job to Freelance
The 60-day window after you quit is the most valuable enrollment period you'll ever have. Here's exactly what to do with it.
How Much Does Health Insurance Cost for the Self-Employed in 2026?
Ranges, not averages. Here's what freelancers, contractors, and small-business owners of one actually pay in 2026 — before and after subsidy.
ACA Open Enrollment 2026 for Freelancers: What's Different This Year
Enhanced subsidies are still in effect for 2026. Here's the freelancer's Open Enrollment guide — dates, deadlines, and what's changed.
HSA + HDHP Strategy for 1099 Workers: The Triple-Tax-Advantaged Playbook
Pair a High Deductible Health Plan with an HSA and you unlock the only triple-tax-advantaged account in the U.S. tax code. Here's how self-employed people use it.