Two markets, one of them probably better for you
If your after-expense income qualifies for a HealthCare.gov subsidy, that is the most affordable coverage available and we will tell you so. If you are above the subsidy line and healthy — the usual profile for real estate investors — a private PPO on the Cigna, Aetna and PHCS PPO network is priced on your health, not your income, and is typically 30–50% less than full marketplace price.
What to expect
A 15-minute call. We run both markets for your ZIP, check your doctors against the PPO network, and show you the numbers side by side. If private is a fit, enrollment takes about 15 minutes online and approval usually comes within 48 hours. If it is not, we help you pick the right marketplace plan.
Taxes
Texas has no state income tax, so the self-employed health insurance deduction only reduces your federal bill — which makes the premium itself the number to attack.