Two markets for the self-employed
Subsidy-eligible after business expenses → HealthCare.gov. Above the subsidy line and healthy → private PPO on Cigna, Aetna and PHCS PPO, priced on your health rather than your income. Serious condition → marketplace regardless.
The deduction
North Carolina has a flat state income tax, so the self-employed premium deduction helps at both the federal and state level. Self-employed people deduct 100% of premiums above the line on either kind of plan, and can stack HSA contributions on an HSA-eligible plan.
Who we see most in North Carolina
Realtors, contractors, consultants, drivers, salon owners, and anyone running a business from Charlotte, Raleigh, Greensboro and across the state. Medicaid expansion in late 2023 moved hundreds of thousands of lower-income North Carolinians onto Medicaid — which means the people still shopping are mostly above the subsidy range.