Most self-employed people and small business owners overpay for healthcare because they don’t know about specific insurance policies that reduce premiums while maximizing tax efficiency.
The reality: Certain insurance structures exist—but they’re only available through licensed agents who understand which policies apply to your situation. You won’t find them on healthcare.gov or public marketplaces.
Here’s what most people miss:
1. Individual Coverage HRA (ICHRA/HRA-105)
This is the game-changer. It lets you reimburse your own health insurance premiums tax-free through your business. For self-employed owners, this can reduce your effective healthcare cost by 20–40% depending on your structure. Most people don’t know it exists.
2. Health Savings Accounts (HSAs) + Triple Tax Advantage
HSAs paired with high-deductible plans let you deduct premiums, grow funds tax-free, and withdraw for qualified medical expenses tax-free. But only certain policies qualify—and agents know which ones maximize this.
3. Solo 401(k) Health Reimbursement Plans
You set up a plan to reimburse your own health expenses through your business as a deductible expense. Not all policies work with this structure—agents know which do.
4. SEP IRA Premium Deductions
Self-employed folks can deduct health insurance premiums from SEP IRA contributions—but only if you’re using the right policy type. Most standard plans don’t integrate this way.
5. S-Corp Owner-Employee Health Strategies
If you’re structured as an S-corp, specific policies are designed to work with your business entity tax treatment—unlocking deductions W-2 employees can’t access.
The catch: These specific policies aren’t advertised on public marketplaces. Insurance brokers on standard sites sell only commodity plans. Only licensed agents who specialize in business owner health know which policies unlock these tax advantages for your specific situation.
What This Means for You
You could be leaving $5,000–$15,000+ in annual tax savings on the table. Your current plan might not align with the policies that maximize your deductions. One phone call could identify policies available only to business owners like you.
Next step: Book a consultation with Calvenn Starre, a licensed agent who understands both your business structure and the specific policies that work with tax code advantages. He will review your current situation and show you the policies available only to business owners like you.