NFIB says that this is the No. 1 health-care priority for its members. AHPs allow small businesses in various states to team up in purchasing groups. Not the self-employed. Owners of small firms with employer-sponsored insurance are even worse off. They don't get any deduction.
Medical savings accounts.
These have become quite popular with small companies. MSAs are basically tax-free savings accounts that can be used to pay for health expenses. These provide some help to self-employed individuals, as well as owners and employees of small firms that can't afford coverage. They can also be used when HMO patients want to see a doctor outside of their network. Inc. Privacy Statement and Legal Notices Reproduction or unauthorized use of this material is prohibited.