Two markets for the self-employed
Subsidy-eligible after business expenses → HealthCare.gov. Above the subsidy line and healthy → private PPO on Cigna, Aetna and PHCS PPO, priced on your health rather than your income. Serious condition → marketplace regardless.
The deduction
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. Self-employed people deduct 100% of premiums above the line on either kind of plan, and can stack HSA contributions on an HSA-eligible plan.
Who we see most in Texas
Realtors, contractors, consultants, drivers, salon owners, and anyone running a business from Houston, Dallas, San Antonio and across the state. Texas has the highest uninsured rate in the country, and because Medicaid wasn't expanded, adults under the poverty line fall into a coverage gap with no subsidy at all.