OwnBossHealth Guide Weighs Coverage Trade-Offs for Self-Employed
Ahead of federal open enrollment beginning November 1, OwnBossHealth published a guide to health coverage options for self-employed people and small-business households without employer plans. It outlines trade-offs including Marketplace plans, private coverage, health-sharing ministries and health reimbursement arrangements, noting that Marketplace enrollment generally requires open enrollment or a qualifying life event, private plans may require medical underwriting, and health-sharing ministries are not insurance. The guide also flags that federal premium assistance is unavailable above 400% of the poverty line for the coverage years discussed, and advises comparing how coverage works when used—not just monthly premiums.
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