What Is The Biggest Mistake Self Employed People Make When Getting Health Insurance? 
Self-employed health insurance can be very affordable , if you shop the right way . A big mistake made by small business owners is that they either incorrectly calculate their federal subsidy , or choose a policy that appears to very inexpensive , but ultimately becomes extremely expensive because of higher-than anticipated premiums and high out-of-pocket costs that were not initially understood or explained . An experienced broker can review all Exchange plans -LRB- Platinum , Gold , Silver , Bronze , and Catastrophic -RRB- , determine the correct subsidy , explain Health Savings Accounts -LRB- HSAs -RRB- and determine if they the tax benefits and low premiums would be beneficial . Also , accurate calculation of the federal subsidy is critical , and it 's important that a broker offer his/her expertise so you do n't owe an unexpected tax bill in the Spring . The ACA Legislation has changed the scope of US healthcare , and professional expert and unbiased guidance is always recommended . And each year , new plans and carriers become available on state and federal Marketplaces . The SHOP Marketplace is also available for small business owners . IMPORTANT : This question was answered by Edward Harris , one of the premier health insurance brokers in the US , and owner of majormedicalhealth.com , which provided free online quotes and the lowest rates from top-rated companies . 