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Free download · 13 pages
The Self-Employed Owner’s Guide to Individual, Family & Group-Rate Coverage
What the marketplace won’t tell you, what a family plan should actually cover, and how business owners get better networks and more predictable costs than the exchange offers.
What’s inside
- Individual & family — how embedded and aggregate family deductibles differ, and the coverage stack most people never get shown
- The marketplace gap — what changed in 2026, subsidy reconciliation, and the questions the exchange never asks you
- Individual vs. group — the five differences that change what you pay and what you get
- Do you qualify? — an honest look at which businesses can form a group, and what to do if yours can’t
- Networks decoded — what Cigna, Aetna, BCBS and UnitedHealthcare are each genuinely good at
- Ten questions to ask any agent before you sign anything — including this one
- Red flags that should end a conversation
- A cost worksheet for finding your true annual cost and worst-case year
No sales call is triggered by downloading this. If you want one, the phone number is on every page.
Where should we send it?
Prefer to skip the form? Call or text 305-613-0142 and Josh will email it over.