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Health Insurance
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Health Insurance
Individual, Self Employed, Travel Professionals
Coverage Designed for Entrepreneurs, 1099 Contractors & Travel Professionals
When you’re self-employed, you don’t have HR handling your benefits.
You are the HR department.
And choosing the wrong health plan can cost you thousands — not just in premiums, but in deductibles, networks, and uncovered services.
Whether you’re a business owner, consultant, independent contractor, or travel professional, here’s what you need to consider before enrolling in any plan:
Premium
Your premium is the monthly amount you pay to keep your policy active.
Lower isn’t always better.
A lower premium may mean:
- Higher deductibles
- Limited networks
- Higher out-of-pocket costs
The key is finding a premium that fits your budget and protects you properly if something unexpected happens.
Deductible
Your deductible is what you pay out of pocket before insurance starts sharing the cost.
Generally:
- Higher deductible = Lower monthly premium
- Lower deductible = Higher monthly premium
The right balance depends on:
- Your health history
- Emergency savings
- Risk tolerance
- Frequency of doctor visits
There is no one-size-fits-all answer.
Copays & Out-of-Pocket Costs
Copays are fixed amounts you pay for services like:
- Primary care visits
- Specialist visits
- Urgent care
- Emergency room visits
Some plans offer low copays but higher premiums. Others may not use copays at all and instead apply everything toward your deductible.
Understanding how your plan handles cost-sharing is critical.
Network Access
If you have doctors you trust, always verify:
✔️ Are they in-network?
✔️ Is your hospital system covered?
✔️ Do you need referrals?
For travel professionals especially, network flexibility matters.
If you work across state lines or move assignments frequently, we’ll look at plans that offer broader network access or national options.
Why This Matters for Travel Professionals
If you're a travel nurse, consultant, remote worker, or contract professional:
- Adding a spouse can be expensive
- Your employer plan may be limited
- Coverage may not transfer easily between states
You need portability and flexibility — not restrictions.
You Have More Than One Option
Many self-employed individuals assume the marketplace is their only choice.
That’s not always true.
Depending on your health profile and income level, private plans may offer:
• Competitive premiums
• Flexible enrollment (year-round in many cases)
• Broader networks
• Customizable coverage
Every situation is different — and strategy matters.
My Promise to You
I don’t just quote plans.
I compare structure, risk exposure, and long-term cost.
Before you enroll in anything, you’ll understand:
✔️ What you're paying
✔️ What you're protected against
✔️ What happens in a worst-case scenario
✔️ And how it fits your lifestyle
Because when you're self-employed, your coverage protects more than your health — it protects your income.
SMALL BUSINESS
Providing health insurance is one of the biggest expenses small business owners face.
According to a 2021 report from the Kaiser Family Foundation, the average annual premiums for small firms were:
- $7,813 for single coverage
- Employers contributed $6,485 (83%)
- $21,804 for family coverage
- Employers contributed $13,737 (63%)
The report defined “small firms” as businesses with 3 to 199 employees.
For many owners, those numbers feel overwhelming.
Are Small Businesses Required to Offer Health Insurance?
Businesses with fewer than 50 full-time equivalent employees are not legally required to offer health insurance.
Yet:
- 53% of small businesses offered coverage in 2020
- 48% of businesses with 3–9 employees offered coverage
Why?
Because benefits help you:
✔️ Stay competitive in hiring
✔️ Retain high-quality employees
✔️ Increase morale and loyalty
✔️ Access potential tax advantages
✔️ Reduce turnover costs
The question isn’t just “Can I afford to offer it?” It’s “Can I afford not to?”
The Problem With Traditional Small Group Plans
Traditional group plans often mean:
- High employer contribution requirements
- Annual renewal increases
- Limited flexibility
- Participation minimums
- One-size-fits-all plan structures
For many small businesses, especially those under 50 employees, this model can feel restrictive.
A Smarter Option: Private Health Plans for Small Businesses
Businesses with fewer than 50 employees can choose to provide coverage using private plan strategies.
With changes following the Health Care Reform Act, small employers now have more flexibility than ever before.
Private plan options may allow:
• Lower premiums for eligible employees
• Greater flexibility in plan design
• Year-round enrollment (no waiting for open enrollment)
• Reduced employer cost burden
• Customized solutions based on workforce health profiles
Unlike traditional group plans, private options can often be implemented at any time during the year.
That means you don’t have to wait months to make a change.
Every Business Is Different
There is no universal “best” plan.
The right solution depends on:
- Number of employees
- Age demographics
- Health history trends
- Budget goals
- Contribution strategy
- Long-term growth plans
That’s where strategy matters.
My Approach
I work with small business owners to:
✔️ Compare traditional group vs. private strategies
✔️ Analyze total employer cost — not just premium
✔️ Structure contribution models
✔️ Review tax advantages
✔️ Ensure employees understand their options
The goal isn’t just to offer insurance.
The goal is to offer it intelligently.
Let’s Build a Plan That Works for Your Business
If you have fewer than 50 employees and want to explore your options — without overcommitting financially — let’s talk.
You may have more flexibility than you think.
Book a consultation and let’s review your numbers together.
Contact ME
Help me help you!
Let me know your needs are with health insurance/dental insurance and as the professional I will always put YOU first.
Paula Health Advisor
Open today | 09:00 am – 08:00 pm |
