Insights
Straight Answers About Health Coverage for Small Business Owners
Short, jargon-free articles on the questions our clients ask most — subsidies, underwriting, networks, deductibles and the supplemental policies that close the gaps.
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From the Agency
New posts are added regularly. Have a topic you'd like covered? Send it our way.
Coverage basics
The Subsidy Cliff: What Happens When You Earn Too Much for a Tax Credit
One extra dollar of income can cost thousands in premium help. Here's how the cliff works and what options remain once you're over the line.
Health insurance
Underwritten vs. Marketplace Plans: An Honest Comparison
Medically underwritten plans price on your health instead of a community pool. That's an advantage for some households and the wrong fit for others.
Networks
How to Verify Your Doctor Is In-Network Before You Enroll
Network directories go stale. Use these three checks — carrier tool, clinic billing office, and plan name confirmation — before you sign anything.
Supplemental
Accident and Critical Illness Coverage: Filling the Deductible Gap
A high deductible is only affordable if you can cover it. Cash-benefit policies pay you directly, and they cost far less than lowering the deductible.
Plan design
Choosing a Deductible When You're Self-Employed
Cash flow, not the premium number, should drive your deductible. A simple worksheet for picking a level you can genuinely absorb in a bad month.
Income protector
Income Protection: What Happens to Payroll If You Can't Work?
Disability income coverage keeps a paycheck arriving while you recover — the piece most owner-operated businesses skip until it's too late.
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