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How Do You Handle Health Insurance as a Solopreneur?
Health insurance can feel overwhelming as a solopreneur, but it doesn’t have to be. In this episode, I break down the smarter, more affordable ways I’ve used over the years to protect my family without sacrificing independence.
I walk through how to compare marketplace plans, when using a spouse’s coverage can make sense, and what to watch out for with private insurance, health shares, COBRA, and even Medicaid. We also talk about shifting your mindset from seeing health insurance as a cost to viewing it as an investment in freedom.
I also share the mental load that comes with being your own HR department and tools that can help streamline benefits and reduce stress. If you’re self-employed or considering the leap, this episode will help you approach health insurance with clarity and confidence instead of fear.
Chapters 🎧
00:00 - Why health insurance is critical for solopreneurs
01:04 - The risks of not having coverage or going uninsured
02:00 - Options for coverage through a spouse or partner
02:58 - Overview of the health insurance marketplace
03:26 - How premium tax credits can reduce costs
04:22 - Private insurance and ACA compliance essentials
04:52 - Understanding health share plans and their risks
05:48 - Medicaid as a safety net for new business owners
06:13 - Using Cobra to bridge coverage gaps
06:43 - The importance of mindset: health insurance as part of your business costs
07:08 - Managing payroll and benefits with Gusto
07:37 - How to submit questions for future episodes
08:34 - Final thoughts and signing off
Resources and Links 📚
📖My new book, "Own Your Time"
https://marriagekidsandmoney.com/ownyourtimeamazon
💻 Sponsors and Additional Resources
https://marriagekidsandmoney.com/resources
📞Voicemail for Questions: Leave a voicemail at marriagekidsmoney.com/voicemail to have your question answered on the show!
Gusto Payroll & HR Software: Special offer: $200 Visa gift card with your first payroll. Visit Gusto
👉Connect with me on social media:
LinkedIn: Andy Hill, MKM
Instagram and Facebook: MarriageKidsAndMoney
View all episodes
By Andy HillHealth insurance can feel overwhelming as a solopreneur, but it doesn’t have to be. In this episode, I break down the smarter, more affordable ways I’ve used over the years to protect my family without sacrificing independence.
I walk through how to compare marketplace plans, when using a spouse’s coverage can make sense, and what to watch out for with private insurance, health shares, COBRA, and even Medicaid. We also talk about shifting your mindset from seeing health insurance as a cost to viewing it as an investment in freedom.
I also share the mental load that comes with being your own HR department and tools that can help streamline benefits and reduce stress. If you’re self-employed or considering the leap, this episode will help you approach health insurance with clarity and confidence instead of fear.
Chapters 🎧
00:00 - Why health insurance is critical for solopreneurs
01:04 - The risks of not having coverage or going uninsured
02:00 - Options for coverage through a spouse or partner
02:58 - Overview of the health insurance marketplace
03:26 - How premium tax credits can reduce costs
04:22 - Private insurance and ACA compliance essentials
04:52 - Understanding health share plans and their risks
05:48 - Medicaid as a safety net for new business owners
06:13 - Using Cobra to bridge coverage gaps
06:43 - The importance of mindset: health insurance as part of your business costs
07:08 - Managing payroll and benefits with Gusto
07:37 - How to submit questions for future episodes
08:34 - Final thoughts and signing off
Resources and Links 📚
📖My new book, "Own Your Time"
https://marriagekidsandmoney.com/ownyourtimeamazon
💻 Sponsors and Additional Resources
https://marriagekidsandmoney.com/resources
📞Voicemail for Questions: Leave a voicemail at marriagekidsmoney.com/voicemail to have your question answered on the show!
Gusto Payroll & HR Software: Special offer: $200 Visa gift card with your first payroll. Visit Gusto
👉Connect with me on social media:
LinkedIn: Andy Hill, MKM
Instagram and Facebook: MarriageKidsAndMoney