A good place to start

You put care into your work. Let’s bring that same attention to private health coverage that you can understand and evaluate for yourself.

Start with the life your business supports

Running your own business comes with plenty of decisions. Health coverage is one I can help you work through. Begin with the people who need insurance, where they receive care, and the expenses your household can handle. The work you do is part of your story, but it doesn’t tell us everything about the coverage you need.

A solo business owner’s personal coverage is a different question from benefits for employees. If you are building a team, keep those projects separate. When we talk, I’ll start with your household and the questions you want answered.

See what a private option would mean for you

A private option outside the Marketplace may be worth a closer look if its network, benefits, or price match what you need. Those features need to be verified in the product you are considering. A promising quote is a starting point. We still need to check what the policy covers and what it could leave you paying.

Ask how any medical underwriting works and whether your health history affects eligibility or benefits. If a product uses scheduled payments or benefit caps, find out how much could remain unpaid. Before you decide, I want you to understand what the policy provides as well as whether you qualify.

Build a budget that survives a slower month

Put the monthly premium beside your other recurring business and household expenses. Then look at what you might pay for regular visits, medication, and a period of more substantial care. Ask about fees, renewal provisions, and whether the product can cover the period you need.

Illustrative example · not a quote or client result

A hypothetical independent designer has variable monthly revenue and uses a specialist. Before choosing between two proposals, they verify the specialist’s office, compare written benefits, and check whether the monthly payment remains manageable during a quiet quarter. The exercise identifies questions; it does not establish which policy is best.

Understand the alternatives without changing DBH’s focus

Marketplace coverage, a spouse’s employer benefits, or a public program may also be relevant. Marketplace assistance is based on eligibility and household information, including estimated net self-employment income for the coverage year. DBH’s services focus on private-market coverage; we include this context so you can recognize when another route deserves a separate review.

Bring these details to our conversation

  • Your ZIP code, who needs coverage, and desired start date.
  • Doctors, prescriptions, and places where you need care.
  • A monthly budget that works during slower income periods.
  • Current policy details and any household employer offer.
  • Questions about underwriting, payment limits, and renewal.

Questions worth asking

Does owning an LLC require a group policy?

Not by itself. Personal coverage and employee benefits are separate decisions. Your business structure does not automatically establish eligibility for a particular plan.

Does a PPO guarantee access wherever I travel?

No. Check the exact network, policy benefits, and care locations. Ask about routine visits away from home separately from emergency care.

Go straight to the source

Sources reviewed October 14, 2026. Rules, benefits, networks, and eligibility can change. This guide offers general education; it is not a quote, individualized recommendation, or guarantee of coverage. The insurer’s written policy and official eligibility determination govern your situation.

Next guide: Finding health coverage for your family ↗