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Dear Family Halo experts,

I know you help people struggling with self-employed insurance coverage for free as part of your nonprofit mission, and I need to tell somebody my story.

I'm a and my partner keeps saying things like "Why don't you get a real job with benefits?" But I've worked hard to build my business, and I don't want to lose the independence I've fought for.

I currently live in and because I know that healthcare options can vary greatly depending on where we live, I'm a little confused.

The thought of choosing the wrong coverage haunts me. I'm looking for coverage that adapts to my needs—providing financial security in case of health emergencies, while keeping costs low when I don't need extensive coverage.

My household income is around , and while I'm doing well, I worry about spending too much on insurance that might not even meet my needs.

I was born on and as I navigate different stages of life, it's crucial that my insurance evolves with me—protecting my health and finances through all the unexpected turns.

Here's what really keeps me up at night...

I've heard too many stories about friends of friends saying things like "I never expected my savings to vanish after one medical issue." The fear of financial ruin from unexpected health issues is always in the back of my mind. It's not just about me—this stress impacts my relationships too.

That's why I'm turning to you, Family Halo.

I've tried navigating this on my own—looking into high-deductible plans, healthcare sharing programs, even going uninsured for a while. But none of those options felt right, and they left me more confused and anxious.

The truth is, I need peace of mind. I'm reaching out because Family Halo is a nonprofit with experts who just want to help people like me avoid bad decisions and find real solutions.

I'd love to have a quick call to discuss my options and get the guidance I need to protect my family, business, and my future.

You can reach me at or give me a call at +1 so we can find a solution that lets me focus on growing my business without fear of the unknown.

Looking forward to your call in the next little bit.

Thanks for listening to my story.

Signed,

Signature

How Much Does Health Insurance Cost for Self-Employed individuals?

(and how a free HALO financial Coach call can help)

The current average cost for self-employed health insurance in the United States is $495 a month — $5,940 annually. The price can be much lower — about $200/month on average — if you qualify for a tax subsidy which we can tell you about. Your location also plays a major role in determining your health insurance costs as it can be far more expensive to get insured in some states, like New York & West Virginia for example where month premiums are over $700/month on average, than others, like Colorado and New Hampshire as two examples where average monthly insurance rates are in the $300-$400 range. We can help you with several little-known tips to reduce costs further.

Family Halo is a certified nonprofit dedicated to empowering individuals with advice, tools and education for financial stability as part of supporting families globally.

Prefer to just call an expert now?

Speak with a Family Halo financial coach and get free knowledgeable advice on choosing a plan that's right for you.

+1 (904) 815-0735

Call for free live assistance

Got Questions?

What are the main health insurance options for self-employed individuals?

Self-employed individuals typically have several options, including individual marketplace plans (ACA plans), short-term health insurance plans, and fixed indemnity plans. Each type has its own benefits and considerations based on your specific needs and circumstances.

How do ACA plans benefit self-employed individuals?

ACA (Affordable Care Act) plans offer comprehensive coverage and cannot discriminate based on pre-existing conditions. They often provide essential health benefits and may offer subsidies based on income, which can be particularly beneficial for self-employed individuals with fluctuating incomes.

What is a Short-Term Health Insurance Plan and how can it help self-employed people?

Short-term health insurance plans are designed to provide temporary coverage, typically for periods of 1-12 months. They can be useful for self-employed individuals between more comprehensive coverage options, during business transitions, or when waiting for ACA enrollment periods. However, they often have more limitations than ACA plans.

What is a Fixed Indemnity Plan and how does it work for self-employed individuals?

Fixed indemnity plans pay a set amount for specific services, regardless of the total cost. For self-employed individuals, these can provide a predictable benefit amount for common health services. They're often used to supplement other coverage or as a lower-cost option, but they don't provide comprehensive coverage like ACA plans.

What tax considerations should self-employed individuals know about health insurance?

Self-employed individuals may be able to deduct their health insurance premiums as a business expense. This can include premiums for personal health insurance, dental insurance, and long-term care insurance for yourself, your spouse, and your dependents.

How can I determine which type of health insurance plan is best for my self-employed situation?

Choosing the right plan depends on factors like your health status, income, risk tolerance, and specific business needs. It's important to consider coverage levels, costs (premiums, deductibles, and out-of-pocket maximums), network restrictions, and how each plan type aligns with your personal and business financial strategy.

What should I ask the insurance agent to ensure I get the right plan for my self-employed needs?

When speaking with an agent, consider asking: - How does this plan accommodate fluctuating income common in self-employment? - What are the coverage limits and how do they align with my health needs? - How does this plan handle pre-existing conditions? - What are the total costs, including premiums, deductibles, and potential out-of-pocket expenses? - How flexible is the plan if my business circumstances change? - Are there any specific benefits or considerations for self-employed individuals in this plan?

How often should I review my health insurance as a self-employed individual?

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How often should I review my health insurance as a self-employed individual?

It's wise to review your health insurance annually or whenever you experience significant changes in your health, income, or business structure. The health insurance market and your personal circumstances can change, so regular reviews ensure your coverage remains optimal for your situation.

info@familyhalo.org

+1 (904) 815-0735

Family Halo is a certified nonprofit dedicated to empowering individuals with tools and education for financial stability as part of supporting families globally.