Frequently Asked Questions
Clear answers for self-employed professionals & independent contractors.
Can self-employed individuals write off 100% of health insurance premiums?↓
Yes! Under IRS Schedule 1 (Form 1040, Line 17), self-employed individuals, sole proprietors, 1099 contractors, and partners can deduct 100% of their health insurance premiums for themselves, their spouse, and dependents. Always consult your CPA for your specific tax filing.
How do private PPO health plans differ from ACA Marketplace plans?↓
Private PPO plans use medically underwritten rates that reward healthy individuals with up to 47% lower premiums and nationwide zero-referral doctor access (MultiPlan / PHCS / First Health), whereas unsubsidized ACA exchange plans are community-rated and often locked into restrictive local HMO networks.
Can I keep my current doctors and specialists?↓
Yes. Private PPO plans offer nationwide network access. You can use our Doctor & Hospital PPO Network Directory Lookup tool on the home page to check your primary care physician or regional hospital system before locking in your rate.
Can I enroll any time of year or do I need an Open Enrollment window?↓
Private market PPO plans are available 365 days a year. You do not need to wait for ACA Open Enrollment or experience a qualifying life event to enroll.
Is there any cost for your brokerage services?↓
Zero cost. Broker commissions are built directly into standard insurance rates set by state insurance regulators. You pay nothing extra for our policy guidance, rate quotes, or claims support.