Osborne Health Advisors

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.

04/09/2026

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.

03/27/2026

Before you pick a health insurance plan, make sure you can answer these 5 questions:

1️⃣ Does this plan cover the doctors and specialists I already see?
2️⃣ What's my actual out-of-pocket max if something serious happens?
3️⃣ Am I eligible for any ACA subsidies or tax credits that lower my premium?
4️⃣ Do I need supplemental coverage (dental, vision, disability) on top of this?
5️⃣ Is this plan built for where my business is today — or where it's going?

Most people skip straight to the monthly premium number and miss the bigger picture. The cheapest plan isn't always the best plan — and the most expensive one isn't either.

The right plan is the one that fits your health needs, your financial situation, and your stage of business.

Save this post for open enrollment season — and if you want someone to walk through these questions with you, Osborne Health Advisors is always a message away. 📩

Which of these questions trips you up the most? Drop it in the comments 👇

03/26/2026

If you're a contracted truck driver, you already know — you're not treated like a traditional employee.

That means no employer-sponsored health benefits. No group plan. No coverage handed to you at onboarding.

What it also means: you need to be smarter about protecting yourself.

Here's what Osborne Health Advisors helps contracted drivers find:

🚛 Individual health plans that fit your income and lifestyle
🦷 Dental & vision coverage (because it does matter on the road)
🏥 Short-term disability — so an injury doesn't take you off the road financially
💡 Critical illness plans for high-cost diagnoses
🛡️ Life insurance to protect the people who depend on you

The road is already unpredictable. Your health coverage doesn't have to be.

Osborne Health Advisors specializes in helping contracted drivers find real, affordable protection — no corporate jargon, no confusion, just the right plan for your life.

Drop a comment or send a message. Let's get you covered. 🚛

03/25/2026

Trying to attract great employees to your small business?

One of the most powerful (and underused) tools available to small business owners is group health insurance — and it doesn't require a massive team to make it work.

Here's what a group plan through Osborne Health Advisors can include:

🏥 Medical coverage tailored to your team size and budget
🦷 Dental & vision options employees actually want
💼 Short-term disability to protect your people when life happens
❤️ Life insurance add-ons that show your team you're invested in them

And here's the business case: companies that offer health benefits see higher retention, better recruitment results, and stronger employee loyalty — even at the small business level.

You don't need 50 employees to offer competitive benefits. You just need the right advisor to build the right package.

Ready to explore what's possible for your team? Let's talk. 👇