Sole Proprietor & 1099s

INDEPENDENT BUSINESS OWNERS

Affordable Health Plans, That Won't Break the Bank!

We are one of the nation top Managing General Agencies for helping provide more affordable options for individuals. Click here to see our recognition letter from CMS.

As a self employed business owner or independent contractor, you are in a unique position to radically reduce your cost for health insurance premiums, by levering few tax components. You are able to deduct both medical and business expenses to modify your gross income to qualify for more tax credits, also there are many other tax strategies to take advantage of.

On exchange plans will provide more coverage to business owners and contractors, understanding how to leverage tax components is a smart way to make your plans more affordable. Although anyone can facilitate their own application online, we don't recommended it, there is no cost to to obtain a expert in the field of life and health insurance, this will help ensure your best chance of getting comprehensive coverage at the best rates.

If you are not able to qualify for a subsidy, there are other plan types that a tax favored for self employed's and business owners
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As an experienced independent agency licensed and certified to sell Health Insurance we offer:

  • FREE SUPPORT, EDUCATION THROUGH OUR BENEFIT PORTAL AND GUIDANCE from a specialized agent.
  • We represent YOU the client NOT the carrier, you can rest easy knowing we have your best interest in mind.
Click The Toggles Below To Learn More About Your Health Insurance Options.

We offer traditional health plans through most major carriers. Depending on your needs, we have plans that comply with the Affordable Care Act (ACA) to full packages that offer a variety of benefits.
Health Maintenance Organization (HMO)
A HMO requires group members to obtain their health care services from doctors and hospitals affiliated with the HMO. Members are required to designate a primary care physician who treats and directs health care decisions and who coordinates referrals to specialties within the HMO network. HMOs offer access to a comprehensive package of covered health care services in return for a prepaid monthly amount (or “premium”). Most HMOs charge a small co-payment depending upon the type of service provided.
Preferred Provider Organization (PPO)
A PPO saves members the most money on healthcare if they use providers within their network. If providers outside of the network are used, it is possible that those services may not be covered at all. Deductibles must be met on this plan before some services will be covered. PPOs require a co-pay for physician visits.
Health Savings Account (HSA)
A HSA combines a high deductible/lower premium health insurance plan (PPO) with a savings account. Both employer and employee can contribute, tax-free to the savings account, which can help fund the deductible and other qualified medical expenses. Once the deductible is met, the insurance starts paying.

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Medical Reimbursement Plan Options

Medical reimbursement plan options includes a variety of affordable health coverage options for 2 man employer groups up to 50 full time equivalent employees. It depends on how your company is structured and how many employees you currently have, the video below will help you to determine what plan option best suits your situation and how you can begin lowering cost with greater tax advantages and benefit options.

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When we help you purchase your health insurance through the Federal Health Insurance Marketplace, you may be eligible for a tax credit which is discounted from your monthly premium. Families earning up to $94,000 per household can qualify. This equals about 400% of the poverty level. Understand that there is more than what the calculator will do to control healthcare premium cost. Consult with a licensed professional to get the most out of your ACA plan, click the subsidy calculator for an estimate of how you may qualify for a tax credit Subsidy Calculator to see if you qualify.
We offer Dental and Vision Plans through many of our major insurance carriers. These plans are offered on a stand-alone (voluntary or employer-sponsored) basis or incorporated into the group health plan offering. Whether as voluntary or paid benefit, employees appreciate both dental & vision coverage as part of their Employee Benefits Package.
Dental Plans
Regular dental exams help employees stay healthier and more productive in the work place. Simple routine visits to the dentist, which are usually covered 100% by insurers, help to detect serious underlying conditions.   The National Association of Dental Plans and the Centers for Disease Control have performed studies that show that employees with Dental Insurance plans have better attitudes and are less likely to suffer from depression, a common condition in today’s fast-paced world. Dental Plans offer a variety of diagnostic, preventative care and corrective services.  These include cleanings, exams, x-rays, fillings, root canals, orthodontia for children, and emergency care while traveling.
Vision Plans
Similar to dental policies, vision plans are inexpensive and save money on routine exams.  They provide eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK. Monitoring your eye health with regular exams also helps to prevent serious eye diseases like glaucoma and cataracts and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.
Temporary or Short Term Medical Plans are health plans designed for times of transition and help to bridge gaps in coverage for individuals and families. In the past, short term plans have been available for up to three months, but new federal guidelines allow for plans up to one year, and are renewable for up to three years. The great thing about short term plans are they are generally less expensive than traditional health insurance, however, they do not provide full coverage and they typically do not cover pre-existing conditions. Based On Your Needs, You Can Select The Length Of Time And From A Range Of Available Deductible Amounts. Additionally, Short-Term Health Insurance Plans Do Not Contain The Essential Benefits As Required By The Affordable Care Act.
Unlike a traditional major medical plan that reimburses you or pays directly to a provider for approved hospital stays and medical care, a Hospital Indemnity Plan pays a lump-sum payment directly to the insured. The cash payment helps with out-of-pocket expenses and covers you when you are off work due to a hospital stay. The coverage is usually a set amount per day, per week, per month, or per visit depending on the benefit level selected. This maybe a great option for individuals seeking coverage outside of the annual enrollment period of the Health Insurance Exchanges. Watch the video below to learn more.

ENROLL Online NOW

Aflac Inc. (American Family Life Assurance Company) is an American insurance company and is the largest provider of supplemental insurance in the United States.[3] The company was founded in 1955 and is based in Columbus, Georgia. In the U.S., Aflac underwrites a wide range of insurance policies, but is perhaps more known for its payroll deduction insurance coverage, which pays cash benefits when a policyholder has a covered accident or illness. The company states it "provides financial protection to more than 50 million people worldwide". In 2009, Aflac acquired Continental American Insurance Company for $100 million;this enabled Aflac to sell supplemental insurance on both the individual and group platform. As of June 30, 2012, Aflac was represented by approximately 19,300 sales agencies in Japan, and 76,900 licensed sales associates in the U.S

Open Enrollment
Nov 1st through Dec 15th

You will need a qualifying life event in order to trigger a Special Enrollment Period, meaning you will not have to wait to enroll during the Annual Enrollment Period beginning Nov 1st through December 15th. Click here for a detailed explanation of how the SEP works. Please keep in mind you have 30 days to apply for coverage from the date the life event occurred.
  • Loss of health coverage
    • Losing existing health coverage, including job-based, individual, and student plans
    • Losing eligibility for Medicare, Medicaid, or CHIP
    • Turning 26 and losing coverage through a parent’s plan
  • Changes in household
    • Getting married or divorced
    • Having a baby or adopting a child
    • Death in the family
  • Changes in residence
    • Moving to a different ZIP code or county
    • A student moving to or from the place they attend school
    • A seasonal worker moving to or from the place they both live and work
    • Moving to or from a shelter or other transitional housing
  • Other qualifying events
    • Changes in your income that affect the coverage you qualify for
    • Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
    • Becoming a U.S. citizen
    • Leaving incarceration (jail or prison)
    • AmeriCorps members starting or ending their service

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or call us at: (810) 471-4796

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