Financial professionals for the self-employed
You've been paying for other people's claims. Fifteen minutes to find out what your health is actually worth.
Book your call
Pick a time below. The call is free, takes about 15 minutes, and you'll leave knowing exactly where you stand.
The problem
W-2 employees get group rates and an employer paying most of the premium. When you went out on your own, you inherited the full bill — for coverage designed around people who aren't you.
No employer subsidy. Marketplace pricing is community-rated, which means healthy self-employed people often pay for risk they don't carry.
Many marketplace plans set deductibles high enough that the coverage rarely kicks in unless something serious happens.
Exchange plans frequently limit you to regional networks. Private plans typically run on broader PPO networks with more provider choice.
You picked a plan from a website once, and no one has reviewed it since. Your income, family, and business have all changed.
Private vs. marketplace
Underwritten private coverage prices you on your actual health. The ACA marketplace prices you on everyone's. Tap through each dimension to see which side favors whom.
Switching saves — illustrative$10,000+ per yearHealthy family of 4: ≈$12,000/yr underwritten vs. ≈$22,600/yr full-price marketplace. Your number depends on age, state, and health.
Full-price marketplace, 2026≈$22,600 per yearUnsubsidized benchmark family premium — before a record-high $3,786 average deductible. Source: KFF.
Honest caveat: private underwritten coverage is not for everyone. If you have significant pre-existing conditions, the marketplace may genuinely be your better option — and we'll tell you that on the call.
Who we help
No pitch, just numbers
This country's tax code, insurance markets, and retirement law carry deliberate advantages for people who own things. Wealthy Americans have used those rules for generations — most self-employed people were simply never shown them. We're financial professionals whose job is knowing where those advantages sit. Our 3 specialties:
The ACA marketplace must charge everyone in your area the same price regardless of health. Private carriers are allowed to underwrite — to price you on your actual health history. If you're healthy, that single rule is often the difference of hundreds of dollars a month, and it's the first thing we check on a call.
Pension law lets a business fund a defined benefit plan with pre-tax dollars — and for a high-earning owner with no employees, the allowable contribution can reach six figures a year. Corporations have run this play for decades; a 1099 netting $500k+ can run it too.
A self-insured medical expense reimbursement plan restructures how a business runs employee wellness benefits through payroll. Done correctly, it reduces payroll tax for the employer and adds benefits employees actually use — typically at little or no net cost. It generally makes sense at 20+ employees.
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