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Health Insurance Options for the

Self-Employed in Texas

Choosing self-employed health insurance in Houston, San Antonio, and Dallas is a big business decision; it’s an important personal decision as well. Today there are many great options available for self-employed individuals. Understanding those options will help you make the decision that makes the most sense, and eliminate undo stress.

And if you decide to grow your business and add staff, we’ve got you covered.

Insurance Made Easy

We skip as much jargon as possible, and explain the rest in plain English. We want you to make your health insurance easy to understand. Simplicity makes things better for everyone

Insurance with you at the center.

Choose your priorities, we’ll display your best health insurance matches side by side. Choosing the right health insurance is personal, and the service behind it should be too.

Industry Insiders

With more than 10 years of serving the area, we know how the industry works inside and out.

Get the Best Plans

The nation’s top carriers have recognized our commitment to service. As a result, we have access to plans reserved for the top performing agencies.

Affordable Plans

We’ve been a locally trusted source of affordable health insurance for over a decade. You’ll find a plan that meets your needs and fits your budget.

You Come First

By taking the time to understand your individual needs, your risk assessment, and your financial goals, we are able to find the plan that’s right for you. It’s that simple.

Health Insurance Premium: What is it & How much does it cost?

Your premium is the amount you pay for your health insurance every month. You might make payments on your own, or it might be deducted from your payroll if you get health insurance coverage through work. The premium just gives you access to the plan; you may still have to pay deductibles, copays, and coinsurance. Choosing the plan with the lowest premium does not necessarily mean choosing the plan with the lowest overall costs.

Can I use Health Insurance Premiums as a Tax Deduction?

When filing your Form 1040, there is a spot on the first page, Line 29, that allows you to claim your self-employed health insurance in San Antonio costs for the year. The benefit of claiming your health insurance costs is that it lowers your gross adjusted income, which will in turn lower your total taxable income. Software like QuickBooks Self-Employed can help you easily track these deductions. There are two key factors to remember when determining your eligibility for deducting your health insurance costs as a self-employed person:

You can only write-off your health insurance premiums for the months you and/or your spouse where ineligible for an employer-sponsored health insurance plan. For example, if you were employed for five months of the year and then left your job to start your own company, you would be able to claim your premiums for the remaining seven months.

If your business does not earn any income, you cannot claim the health insurance deduction. You are not eligible to claim more deductions than your business earned in the same year.

What is a Preferred Provider Organization (PPO)?

A preferred provider organizations (PPO) is a type of health insurance plan that features a network of doctors and hospitals that provide a lower rate. PPOs may also cover the costs of some medical expenses outside of their network. Unlike with a health maintenance organization (HMO), another popular type of health insurance plan, PPO plans do not require that you get a referral from your primary care physician to see a specialist.

What is a Health Insurance Deductible?

Your deductible is the amount you pay for health care out of pocket before your health insurance kicks in and starts covering the costs. Some expenses, like an annual check-up or doctor’s visit, might not be subject to the deductible, depending on your plan. The deductibles might be anywhere from $500 to $1,500 if you’re an individual, or $1,000 to $3,000 if you’re a family. In general, plans with higher deductibles have lower premiums and vice versa.

As an example, if you have a $1,000 deductible and have a $5,000 surgery, you’ll have to pay $1,000 out of pocket, and the remaining $4,000 will be covered all or in part by your insurance company.

However, even after you’ve paid your deductible, covered services may still have a copay or coinsurance, depending on the details of your plan.

What is a Copay?

A copay is a flat fee that you pay when you receive specific San Antonio health care services, such as a doctor visit or getting prescription drugs. Your copay (also called a copayment) will vary depending on the service you receive and your health insurance plan, but copays are typically $30 or less.

Copays are a form of cost sharing. Insurance companies use them as a way for customers to split the cost of paying for health care. Copays for a particular insurance plan are set by the insurer. Regardless of what your doctor charges for a visit, your copay won’t change.

Not all services require a copay — preventive care usually doesn’t — while the copay for other medical services may depend on which doctor you see or which medicine you use. In particular, certain insurance plans charge more to visit a specialist physician instead of your primary care physician. Name brand prescription medicine usually has a higher copay than generic versions.

As a general rule, health insurance plans with lower monthly premiums (the amount you pay each month in order to have health insurance) will have higher copays. Plans with higher premiums usually have lower copays.

What is a the ACA?

ACA passed in 2010 and was meant to make it easier and more cost-effective for Americans to obtain health insurance than to live without it. Additionally, the ACA included the following:

Established minimum essential coverage that requires all Americans to have a certain level of health insurance
Made it illegal for anyone to be denied insurance due to a pre-existing condition
Provided additional funds for Medicaid that were distributed to states to expand their current Medicaid programs, which already offer low-cost health insurance and extend benefits to residents younger than 65
Set up individual tax penalties to be assessed annually against individuals who do not have health care.
The act also included new requirements for small businesses and what they are responsible for in regard to providing healthcare for their employees.

What if something happens while I'm traveling?

This is a great question that’s likely to have a couple caveats. In many cases, emergency care is covered.

So, if you live in Michigan but break a leg in New York, don’t stress too much while you sit and wait in the emergency room. A good health plan will cover emergency care costs.

Our mission is to help people take the stress out of buying health insurance in Houston, San Antonio, Dallas, Ann Arbor, and Grand Rapids. Feel confident by knowing that you’ll have the absolute best plan that fits your lifestyle & budget. We look forward to working with you.