Frequently Asked Questions
Answers to the most common health insurance questions for self-employed individuals and small business owners.
What types of insurance do you offer?
I specialize in private, health-based plans, ACA/Marketplace plans, Medicare and Medicare Supplements, Life Insurance, and dental/vision. I’m licensed in 31 states and work with multiple carriers to find the best fit for your situation.
What’s the difference between private health insurance and ACA marketplace plans?
ACA plans are income-based and sold on government marketplaces like healthcare.gov. Private health-based plans are not sold on public marketplaces — they offer nationwide coverage, often lower premiums, and pair well with tax strategies like the HRA-105. I can help you compare both options for your situation.
Can self-employed people really write off 100% of health insurance premiums?
Yes — and more. The IRS allows self-employed individuals to deduct 100% of health insurance premiums above-the-line (no itemizing required). With the HRA-105 structure, you can also deduct out-of-pocket medical expenses as a business deduction. Most people don’t know this exists.
What is the HRA-105?
The BASE® Health Reimbursement Arrangement (Section 105 HRA) is an IRS-approved plan that lets business owners deduct health insurance premiums AND out-of-pocket medical costs as business expenses. It’s been available since 1954 and was granted Safe Harbor status under the ACA. I help clients implement it correctly.
Do you charge for consultations?
No. Consultations are completely free and there’s no obligation. My compensation comes from the insurance carriers when a policy is placed — you pay nothing extra for working with me versus buying direct.
Are your plans available in my state?
I’m licensed in 31 states. During our consultation, I’ll confirm what’s available in your state and find the best options for you.
What is the 30-day money back guarantee?
If you’re not satisfied with your plan within the first 30 days, I’ll work with you to make it right or help you get a full refund from the carrier. Your satisfaction is my priority.
How do I get started?
Just book a free consultation at affordablehealthcare.solutions/book-appointment or call/text me directly at (561) 345-0571. We’ll talk through your situation and I’ll present your options with no pressure.