Health Insurance for Business Owners
If your income is above the ACA subsidy line, the marketplace charges you full price — and in 2026 those subsidies are phasing out, so more owners are getting hit. There's a better option most never hear about: a private nationwide PPO priced on your health, not your income. We compare both and show you the real numbers.
The 2026 subsidy cliff — why business owners overpay
ACA marketplace premiums are tied to income. Once you earn above the subsidy threshold, you pay the full unsubsidized price — and with 2026 subsidy changes, that line is catching more successful owners. If you're healthy, a medically underwritten private PPO is often cheaper than full-price marketplace, with a broader nationwide network.
Why owners choose a private PPO
- Priced on your health, not your income — no subsidy games
- Nationwide PPO networks — keep your doctors, travel covered
- Enroll year-round; coverage can start in days
- Often lower cost than full-price marketplace for healthy earners
Built for how you work
- LLC / S-corp owners, sole proprietors, and 1099 earners
- Cover yourself, your family, or a small team
- Premiums are often tax-deductible for the self-employed (Schedule 1)
- A named licensed advisor — not a call center
Business owner health insurance — common questions
I make too much for a marketplace subsidy — what are my options?
You can still buy a marketplace plan at full price, but for a healthy owner a private nationwide PPO is often cheaper with a broader network. We price both so you see the real difference.
Is a private PPO cheaper than full-price marketplace or COBRA?
Frequently, yes — because it's priced on your health instead of your income. It depends on your age and health, so we run the actual numbers for you.
Can I cover my family or a few employees?
Yes. We handle individual and family coverage, and can compare individually-underwritten options for a small team against standard small-group plans.
Can I get coverage now, outside open enrollment?
Private PPO plans enroll year-round with fast start dates. Marketplace plans require Open Enrollment or a qualifying life event.
Are my premiums tax-deductible?
Self-employed owners with net profit can generally deduct 100% of premiums via the self-employed health insurance deduction. Confirm your specifics with your CPA.
Above the subsidy line? See what a private PPO really costs — free call.
Side-by-side numbers, built around your health, your doctors, and your budget.
Compare My Options FreeRobert Adams · President & Licensed Agent · NPN 19540130 · Based in Palm City, FL; licensed in 30 states. Premium estimates vary by age, health profile, and underwriting outcome. Private medically underwritten plans are not ACA-compliant and are subject to medical underwriting — not all applicants qualify. Informational only; not insurance, legal, tax, or financial advice.
