When You Run the Business — and Manage the Condition
Self-employed adults are the most under-insured group in America, and for adults with pre-existing conditions, the cost of getting it wrong is steep. We help solo founders, freelancers, and small teams compare ACA marketplace plans, ICHRA reimbursement models, and traditional small group coverage with one priority: every condition on the team gets covered.
The four paths we walk you through
Individual ACA marketplace
Often the right answer for solo founders. Subsidy-eligible, no medical underwriting, all pre-existing conditions covered.
ICHRA (Individual Coverage HRA)
Employer reimbursement model. You buy individual ACA plans, employer reimburses tax-free. Powerful for small teams with mixed condition profiles.
Traditional small group
Group health for teams of 2+. Premium is community-rated; no medical underwriting for conditions.
Self-employed with spouse
Spousal employer coverage is often the lowest-cost path; we verify network and formulary fit before recommending.
Why this matters for self-employed adults with conditions
Without an employer paying part of the premium, the wrong plan can cost $9,000–$15,000 a year out of pocket once condition care is factored in. The right plan — Silver+CSR, the right Gold tier, or a Bronze paired with supplemental — often costs less than half that. The difference is having someone who actually reviews your specialists and formulary before you enroll.
Ready to see your options, read out loud?
Tell us your specialists and prescriptions; we'll reply with plans that actually cover them — usually inside the day.