Private health insurance plans built for self-employed professionals and 1099 contractors. Lower premiums, lower deductibles, nationwide PHCS network. No group plan required.
ACA Marketplace vs. Private Plan
Rates shown based on a 30-year-old healthy male . Your actual rate will vary based on age, health, and coverage selection. Both plans are 100% tax deductible for self-employed individuals.
If your income is above $62,600 as a single filer, you don't qualify for ACA subsidies in 2026. That means you're paying full price for a plan with a narrow network that may not even cover your doctor.
With no employer contribution and no subsidy, self-employed professionals absorb every dollar of that cost themselves.
Before your coverage even starts, you're on the hook for six thousand dollars out of pocket every single year.
Enhanced ACA subsidies expired at the end of 2025. Premiums for unsubsidized buyers increased by an average of 114%.
We do the work so you don't have to. Most clients have a plan in hand within 48 hours.
Fill out our short quote form. Takes 60 seconds. We ask just enough to find the right plans for your age, health, and budget.
A licensed advisor reviews your situation and compares private plans across multiple carriers to find your best fit.
We walk you through the options on a short call. No pressure. You decide. We handle the enrollment paperwork.
That's the key difference. ACA plans price based on your income and charge everyone the same regardless of health. Private plans reward healthy individuals with significantly lower premiums and deductibles.
Private plans are priced on your age and health status. Healthy professionals typically pay significantly less than comparable ACA plans.
Access to one of the largest provider networks in the country. See the doctors you want, not just whoever's in a narrow HMO grid.
Plans with deductibles as low as $500 compared to the $6,000 deductibles common on ACA Silver plans for unsubsidized buyers.
Self-employed individuals can deduct 100% of their health insurance premiums above the line. Same as your ACA plan, but with better terms.
You don't need employees, a business entity, or a group to qualify. Individual private plans are available directly to you.
No open enrollment windows. Private plans can be started any time of year. Most clients are covered within a week of applying.
Takes 60 seconds. A licensed advisor will reach out within 1 business hour to walk you through your options. No pressure, just answers.
No. Private health insurance is purchased outside the ACA Marketplace and is not subject to the same pricing rules. It is priced based on your age and health status rather than your income. This means healthy individuals often pay significantly less for comparable or better coverage. Private plans are not eligible for ACA premium tax credits, but the premiums are 100% tax deductible for self-employed individuals.
Private health insurance plans may require medical underwriting, meaning your health history can affect your eligibility or premium. This is different from ACA plans, which cannot deny coverage based on pre-existing conditions. During your consultation, your advisor will review your health history and present you with the options available to you based on your specific situation.
PHCS, which stands for Private Healthcare Systems, is one of the largest and most comprehensive preferred provider networks in the United States. It includes hundreds of thousands of physicians, specialists, and hospitals nationwide. Many private health insurance plans use the PHCS network, giving you broad access to providers without the narrow restrictions common in ACA HMO plans.
Yes. Self-employed individuals, including sole proprietors, LLC members, and S-corp shareholders who own more than 2% of the company, can deduct 100% of health insurance premiums paid for themselves, their spouse, and dependents. This deduction is taken above the line on your tax return, meaning you do not need to itemize to claim it. Both ACA and private health insurance premiums qualify for this deduction. Consult your tax professional for advice specific to your situation.
This is an important consideration. Individual private health insurance does not qualify as creditable coverage for Medicare purposes. If you are on a private plan and turn 65, you must enroll in Medicare during your Initial Enrollment Period to avoid permanent late enrollment penalties. Unlike employer group coverage, private individual plans do not trigger a Special Enrollment Period that allows you to delay Medicare. We flag this proactively for clients approaching 65 and can help you plan the transition well in advance.
Unlike ACA plans, private health insurance is not restricted to open enrollment periods. You can apply any time of year. Most clients receive a coverage decision within a few business days of submitting their application, and coverage typically begins within one to two weeks of approval.
Rates shown on this website are based on a 30-year-old healthy male and are for illustrative purposes only. Your actual premium will vary based on your age, health status, tobacco use, location, and the specific plan and coverage level selected. Not all applicants will qualify for the rates shown.
Private health insurance plans shown on this website are not ACA-compliant Marketplace plans and do not qualify for federal premium tax credits or cost-sharing reductions. Private plans may involve medical underwriting. Coverage exclusions may apply for pre-existing conditions depending on the plan selected.
Simple Insurance Services is a licensed insurance agency . License number: 17689340. We are compensated by insurance carriers when you enroll in a plan through us. This does not affect the cost of your coverage.
The self-employed health insurance deduction information provided on this website is for general informational purposes only and does not constitute tax advice. Please consult a qualified tax professional regarding your specific situation.
This website is not affiliated with the federal government, the ACA Marketplace, CMS, or Medicare.