Critical information, real experiences, and money-saving strategies for freelancers, gig workers, and small business owners.
Enhanced ACA subsidies expire December 31, 2025. If you're self-employed and make over $62,600 (single) or $84,750 (couple), you could lose $11,000+ in health insurance subsidies overnight. Start planning NOW.
How the ACA subsidy cliff works and why one extra dollar of income could destroy your finances in 2026.
Read More →The above-the-line deduction that could save you thousands. Most people mess it up.
Read More →The high-deductible nightmare nobody warns you about. Real bills, real alternatives.
Read More →What international students need to know about US health insurance traps.
Read More →How delivery drivers and gig workers can actually get affordable coverage.
Read More →Last-minute strategies when you're about to hit the subsidy cliff.
Read More →Why 1 in 4 ER visits ends in surprise bills, even at in-network hospitals.
Read More →How a $200 procedure becomes a $7,900 bill - and how to fight back.
Read More →The life-saving ride that can bankrupt you - and your new legal protections.
Read More →How one medical bill can freeze your business bank account overnight and destroy your livelihood.
Read More →The shocking truth about how medical debt destroys self-employed people while W2 employees get protection.
Read More →How a $2 difference in medical debt can destroy your business credit and end your freelance career.
Read More →How converting to S-Corp status can slash your health insurance costs and taxes simultaneously.
Read More →How timing business income can save thousands in health insurance subsidies.
Read More →The MAGI reduction strategies that can save thousands on ACA premiums.
Read More →Why earning exactly this amount maximizes your health insurance subsidies.
Read More →Where to live for maximum health insurance subsidies and lowest premiums.
Read More →How expansion states offer free healthcare for low-income entrepreneurs.
Read More →Secret state programs offering healthcare alternatives to traditional insurance.
Read More →How relocating can save $8,000+ annually on health insurance costs.
Read More →Why these tax-free states are healthcare nightmares for the self-employed.
Read More →What happens when your "affordable" insurance requires $10K before coverage starts.
Read More →How insurance companies profit from high deductibles you'll never reach.
Read More →Why hitting your deductible is just the beginning of your financial nightmare.
Read More →Why Health Savings Accounts can't save you from medical bankruptcy.
Read More →How insurance companies reset your progress every New Year's Day.
Read More →How one ER visit destroys families even with "good" insurance.
Read More →How Big Pharma and insurance companies conspire to bankrupt patients.
Read More →How insurance companies promise vast networks but deliver phantom providers.
Read More →How insurance companies make your "maximum" protection meaningless.
Read More →How insurance companies literally kill patients through paperwork delays.
Read More →The devastating statistics showing how healthcare bankrupts more Americans than any other cause.
Read More →If you're tired of high deductibles, subsidy cliffs, and insurance that doesn't actually cover anything, you're not alone. Many self-employed people are switching to direct primary care.
Learn About MyPhysicianPlan →Not insurance, but actual healthcare you can afford and use.