Osborne Health Advisors

04/23/2026

We hear a version of this almost every week:

"I wish I had done this sooner."

People come to Osborne Health Advisors frustrated. They've spent hours on comparison websites, gotten quotes that didn't make sense, and still felt like they were guessing.

After one conversation, the most common thing we hear is:

✨ "I didn't realize I qualified for that."
✨ "That's way less than I was paying before."
✨ "Nobody ever explained it to me like that."

That's our job — and honestly, it's the part we love most.

We don't believe getting covered should feel like solving a puzzle alone. Whether you're a truck driver, a consultant, a restaurant owner, or a freelancer building something new — you deserve coverage that fits your actual life.

If you've been putting this off, this is your sign. 👇

💬 Drop a comment or send us a message. First conversation is always free.

04/22/2026

Your health plan covers a hospital stay. But does it cover the six weeks you can't work afterward?

For most self-employed people, the answer is no — and that gap is where financial hardship actually begins.

Here's what major medical typically does NOT cover:

❌ Lost income during recovery from illness or injury
❌ Out-of-pocket costs for a critical illness diagnosis (cancer, heart attack, stroke)
❌ Dental and vision expenses beyond basic preventive care
❌ The full cost of a specialist visit before your deductible is met

That's why supplemental coverage exists — and why we talk about it with nearly every client at Osborne Health Advisors.

Options like short-term disability, critical illness insurance, and accident coverage are designed to fill exactly these gaps. And they're often far more affordable than people expect.

Your income IS your business. Protecting it isn't optional.

📲 Ask us about supplemental options during your free consultation. Send a message to get started.

04/20/2026

Marcus has been driving routes across the Midwest for 11 years. Independent contractor, his own boss — and for most of that time, completely uninsured.

Not because he didn't care. Because every time he looked into it, the numbers felt impossible.

One conversation changed that.

When he connected with us at Osborne Health Advisors, we walked him through his actual options — not a generic quote, but a real plan built around his income and his situation. He qualified for an ACA subsidy he had no idea existed. His monthly premium? Less than what he was spending on fuel.

He told us afterward: "I just didn't know this was available to me."

That's the most common thing we hear. And it's why we do this.

If you're an independent contractor, trucker, or gig worker who feels like coverage is out of reach — let's talk. You might be surprised what's waiting for you.

💬 Comment COVERAGE or send us a DM to start the conversation.

04/17/2026

04/16/2026

The American insurance system was built around one assumption: you work for someone else.

Employer pays half your premium. HR handles enrollment. You pick from 2–3 pre-vetted plans.

But 59 million Americans are self-employed. And for them, the system offers... a website and good luck.

This is why entrepreneurs are the most underserved group in the insurance market:

→ They face the full premium cost alone
→ They navigate dozens of plan options without guidance
→ They often overbuy or underbuy because no one helped them compare
→ They miss subsidies they qualify for because no one told them
→ They delay coverage entirely because it feels too overwhelming

The problem isn't that good options don't exist. The problem is access to someone who actually explains them.

That's the gap Osborne Health Advisors was built to close.

If you're an entrepreneur, freelancer, or small business owner who has ever felt left behind by the system — you're not imagining it. And you deserve better.

📩 Let's fix it. Message me to start the conversation.

04/15/2026

"Can I get health insurance if I work 1099?"

Yes — and you have more options than you might think. Let me break it down.

As a 1099 contractor, you are considered self-employed. That means:

✅ You can apply for an ACA Marketplace plan
✅ You may qualify for premium tax credits based on your net income
✅ You can explore private plans, short-term coverage, or even group plan alternatives
✅ Your health insurance premium may be deductible on your taxes

What you WON'T have:
❌ An employer paying part of your premium
❌ Automatic enrollment through HR

But here's the honest truth — many 1099 workers end up paying LESS for coverage than their W-2 counterparts once subsidies are factored in.

The key is knowing what you qualify for and comparing the right plans side by side.

I do exactly that — for free.

💬 Comment "1099" below and I'll reach out personally, or send me a DM with your questions.

#1099

04/14/2026

Tax season reminder that most self-employed people miss:

💡 Your health insurance premium may be 100% tax deductible.

If you're self-employed and not covered by an employer-sponsored plan (through a spouse, for example), the IRS allows you to deduct what you pay for health, dental, and vision insurance — for yourself AND your family.

This changes the real cost calculation significantly.

Example:
🔹 Monthly premium: $350
🔹 Annual cost: $4,200
🔹 At a 22% tax bracket: You save ~$924
🔹 Real out-of-pocket cost: ~$3,276/year = $273/month

That's a very different number than the sticker price.

If you've been avoiding coverage because of cost — let's run the actual numbers for your situation, including what you may qualify for in subsidies AND what you can write off.

The right plan might cost far less than you think.

📩 Message me or book a free call — link in bio.

04/10/2026

❌ MYTH: "Health insurance is too expensive when you're self-employed."

✅ TRUTH: Most self-employed people have more affordable options than they realize — they just don't know where to look.

Here's what's actually happening:

→ ACA marketplace plans offer income-based subsidies that can dramatically reduce your monthly premium
→ Many freelancers and contractors qualify for $0 or very low-cost plans
→ Short-term plans, health sharing options, and group alternatives exist outside the marketplace
→ Your premium may even be tax-deductible as a self-employed individual

The problem isn't the options. It's that nobody sat down and explained them to you.

That's exactly what we do at Osborne Health Advisors — no sales pressure, just a real conversation about what's available and what makes sense for your income and lifestyle.

💬 Drop a "INFO" in the comments or send me a message and I'll personally reach out to walk you through your options.

04/08/2026

If you're self-employed, no one hands you a benefits packet on Day 1.

You figure it out yourself — and the insurance industry doesn't make it easy.

Here are 5 terms you need to understand BEFORE you pick a health plan:

1. Deductible — What you pay out-of-pocket before your insurance kicks in. A $6,000 deductible means you cover the first $6,000 of care.

2. Premium — Your monthly payment to keep the plan active, whether you use it or not.

3. Subsidy — If your income falls within a certain range, the ACA may pay part of your premium for you. Many self-employed people qualify and don't know it.

4. Out-of-Pocket Maximum — The most you'll ever pay in a year. After this number, insurance covers 100%.

5. Special Enrollment Period — Lost your job or changed your income? You may be able to enroll outside of open enrollment.

Knowing these 5 terms alone puts you ahead of most people buying coverage on their own.

Want a personalized breakdown of what these numbers actually look like for YOUR situation?

📩 Send me a message or drop a comment — I'll walk you through it at no cost.