Is self-employed health insurance a special kind of plan?
No. It is the same personal and family coverage anyone can buy. What changes is how you estimate income and how you may deduct premiums.
Can my LLC buy a group plan with just me on it?
Usually not. Group plans usually need at least one eligible employee who is not the owner or the owner's spouse. Rules vary by carrier and state.
I am starting a business this year. What income do I use?
Use an honest estimate for the coverage year, including any job pay you had before you started. If your income changes and you get tax credits, report it to the Marketplace.
Do bronze plans work with an HSA now?
Under current law, starting in 2026, IRS rules treat bronze and catastrophic plans available through the Marketplace as HSA-eligible. Other HSA rules still apply, so ask your tax pro before you open or fund one.
Can I write off my health insurance?
Maybe. If you are self-employed and your business makes a profit, your premiums may be deductible on IRS Form 7206. You can't take it for any month you could get a subsidized job plan, including through a spouse. For tax questions, talk with a tax professional.
Do I have to wait for open enrollment?
For a private plan (not from the Marketplace), you can often apply any time of year. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled. Marketplace plans, and other plans that follow ACA rules, work differently. As of October 20, 2026, under current law, open enrollment for 2027 plans runs from November 1, 2026, to January 15, 2027. As of October 20, 2026, a federal appeal about these dates is pending (City of Columbus v. Kennedy, 4th Cir. No. 26-1938), with oral argument set for October 30, 2026. Confirm the dates before you enroll. To start coverage January 1, pick a plan by December 15 (the deadline under current law). Outside those dates, you may need a special enrollment period. Losing job-based coverage is one example.
