8/21/2025
The Problem with Marketplace Plans Marketplace plans aim to make health insurance accessible, but for the self-employed, they often fall short:
- Sky-High Premiums – Without subsidies, plans can cost $600-$1,200/month per person.
- High Deductibles – Many plans have $6,000-$9,000 deductibles.
- Restricted Networks – HMOs/EPOs limit your choice of doctors and hospitals.
- Minimal Out-of-Network Coverage – Going outside the network can mean paying 100% out-of-pocket.
Hidden Costs You Don’t See Until It’s Too Late
- ER visits are not covered because the facility wasn’t in-network.
- Preventive care bills triggered by non-covered tests.
- No coverage when traveling out of state.
Better Options Exist (Off-Marketplace) There are exclusive private health insurance plans for the self-employed, 1099 contractors, and small business owners:
- National PPO Networks – See any doctor in any state.
- Lower Premiums – 30-50% less than ACA plans.
- Lower Deductibles – As low as $1,000-$2,500.
- No Tax Surprises – No premium credit repayments.
Who Qualifies?
- Self-employed individuals
- 1099 contractors
- Business owners (even sole proprietors)
Why Haven’t You Heard of These Plans? They’re not on Healthcare.gov and aren’t widely advertised. Independent brokers with access to private PPOs are your best resource.
Next Steps If you’re self-employed and unhappy with your coverage or costs:
- Review your current plan.
- Compare off-market options.
- Speak with a licensed broker.
Need help finding the right plan? Call (716) 503-1113 or book a free consultation today.