What are your health insurance options when you don't have an employer plan? Amber Flanagan, breaks down the real choices — COBRA, ACA, union plans, small group LLCs, health shares, and HSAs — through the lens of risk management, not benefit shopping.

Highlights:

• Why a $110,000 emergency surgery is exactly what insurance should cover — and your copay isn't

• How to form a two-person LLC with a family member to unlock nationwide group insurance (no revenue required)

• ACA subsidies are income-based, not asset-based — and how investors with depreciation should navigate declared income

• Union plans offer Blue Cross Blue Shield nationwide networks with no qualifying life event to join mid-year

• HSAs as the most tax-efficient vehicle: $8,600 family deduction, tax-free growth, and you can invest the balance at Fidelity

Amber Flanagan is the owner of Ashcon Financial, a Certified Financial Planner, and an insurance specialist focused on employee benefits and business succession planning.

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Watch on YouTube: https://www.youtube.com/playlist?list=PLVH9Pz5-HyDBtJSrgG6tbZhhdX1v-6G6E

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