For Entrepreneurs, Freelancers & Business Owners
Not eligible for ACA subsidies? You are in the right place.
If you earn too much for ACA subsidies, or you are a business owner, sole proprietor, entrepreneur, independent contractor, owner operator, physician, or dentist who needs real coverage and real protection, we build plans that fit your life and income.
Owner-Operators & Commercial Drivers
See why this fits you
As a driver, you cross state lines every week, so a local HMO will not work for you. We set you up with a nationwide PPO network so you can see doctors anywhere your route takes you, and we add term life coverage sized to your income so your family is protected if the unexpected happens on the road.
- Nationwide PPO networks accepted across state lines
- Telehealth and urgent care access while traveling
- Term life sized to replace your income
- Coverage that follows you, not just your home state
Doctors & Dentists
See why this fits you
As a physician or dentist, your income is high enough that you may not qualify for ACA subsidies, and your practice is one of your biggest assets. We build a strategy around private PPO coverage for wider specialist networks, whole life policies that build tax advantaged cash value, and key person coverage that protects your practice and partners if something happens to you.
- Private PPO with broad specialist and facility access
- Whole life policies that build cash value over time
- Key person coverage to protect your practice
- Legacy and estate planning support
Small Business Owners
See why this fits you
A group health plan is one of the strongest benefits you can offer, and businesses with 2 to 50 employees can enroll through the Small Business Health Options Program, or SHOP. Group premiums may be tax deductible as a business expense, and we layer in life and disability coverage to protect your key people.
- SHOP Marketplace group plans for 2 to 50 employees
- Premiums may be tax deductible as a business expense
- Dental, vision, and life add ons for your team
- Disability and key person protection
Contractors & 1099s
See why this fits you
As a contractor, your income and schedule change month to month, so a rigid plan does not fit. We offer flexible PPO and indemnity coverage that works outside the Marketplace, with life insurance sized to your income. These plans are not ACA compliant, so we first check whether you qualify for a Special Enrollment Period on the Marketplace, then build the right mix for you.
- Flexible PPO and indemnity coverage outside the Marketplace
- Plans that fit variable, seasonal income
- Life insurance sized to your earnings
- Annual review to move to ACA coverage when it fits