Health Insurance Hacks for the Self-Employed and High-Income Earners
Is Health Insurance Eating Up Your Income?
If you're self-employed, own a small business, or make too much to qualify for subsidies under the ACA, you’ve probably experienced health insurance sticker shock. Premiums are high, deductibles are brutal, and traditional plans often give you less coverage for more money.
The good news? There are better options—and you don’t have to go without coverage to get them.
Who This Blog Is For
Self-employed professionals
Independent contractors (1099 workers)
Small business owners
High-income earners priced out of ACA subsidies
Families with high-deductible plans
The Problem with Traditional Group and Marketplace Plans
Most traditional plans are one-size-fits-all—and that fit rarely works for entrepreneurs. You end up:
Paying for coverage you don’t need
Facing high monthly premiums and even higher deductibles
Getting limited access to out-of-network providers
Feeling stuck in a system that wasn’t built for you
Smarter Alternatives You Should Know About
✅ 1. Health Sharing Plans
Not insurance, but an IRS-recognized alternative. Members share expenses, and monthly contributions are often 30 to 50% less than traditional plans.
✅ 2. Hospital Indemnity + Catastrophic Coverage
Create your own “custom bundle” of care—cover everyday needs while protecting yourself from major events.
✅ 3. Short-Term Medical Coverage
Flexible and affordable plans for temporary gaps or those in good health. Available for 1 to 36 months depending on your state.
✅ 4. ICHRA Plans for Business Owners
A game-changer for employers: reimburse employees tax-free for individual coverage and control your costs. This is especially for business owners with employees on ACA plans that are not affordable. (Affordable means more than 9% of the employees income for family coverage.)
✅ 5. The Champ Plan
(Coming next week!) Learn how this Section 125 plan gives employees a raise without increasing payroll—and creates tax savings for you.
Why You Haven’t Heard About These
Most brokers only sell traditional group plans because that’s what they know (and what pays best). But at Integrity Protection & Financial Group, we believe in custom solutions that protect your health and your wallet.
🔎 Let’s Run a Personalized Quote
We’ll help you compare your current costs against smarter alternatives—and walk you through the pros and cons of each option.
👉 Learn More or Schedule a Quote (Link to your quote form or contact page)
👀 Next Week’s Teaser:
Tired of rising payroll taxes and employee turnover? Next week, we’ll show you how to give your team a raise—without touching your salary budget—using the powerful tax advantages of The Champ Plan.
