Health Insurance for the Self-Employed — Stay Covered, Stay Focused

What Are Your Health Insurance Options?

As a self-employed individual in Arizona, you have several ways to get reliable, affordable health coverage:

• ACA Marketplace Plans:
  The most common route for many self-employed people. You can buy individual or family coverage directly through the ACA Marketplace — and if your income qualifies, you may receive subsidies to lower monthly premiums.
  
• Join a Professional Association Plan:
  Some industry or trade associations offer group health plans to members. While not always widely available, this can be worth exploring.
  
• High-Deductible Plan + HSA:
  Choosing a high-deductible health plan (HDHP) allows you to pair it with a Health Savings Account (HSA), letting you set aside pre-tax dollars to pay medical expenses.
  
• Short-Term Health Insurance:
  If you’re just starting out or need temporary coverage before a major plan begins, a short-term policy may help bridge the gap.
  

Take Advantage of Tax Savings

One big benefit of self-employed health insurance? You can typically deduct your premiums when filing taxes.

This deduction directly reduces your taxable income — lowering your overall costs and making coverage even more affordable.

Real Example: Meet Maria from Tucson

Maria, a consultant in Tucson, worried about skyrocketing health insurance costs after leaving her corporate job.

I helped her find an ACA Marketplace plan with subsidies, saving her hundreds of dollars per month compared to COBRA — and ensuring she stayed covered without compromising on care.

How I Makes It Simple

 As a self-employed professional, your time is valuable. I can help you:

• Compare all available plans quickly
  
• Check your subsidy eligibility
  
• Confirm preferred doctors and hospitals are in-network
  
• Handle all the enrollment paperwork
  
  

His goal? To help you get covered confidently — so you can focus on running your business, not stressing over health insurance.