What is the best way for a self employed owner to get Group Health Insurance?

Self employed owners of a small business must have at least one non spousal, w-2 employee to qualify as a group.   

If you do have a non spousal employee on payroll, click here to get an Individual & Family quote.    Under ACA/Obamacare your coverage is  STILL guaranteed issue with no pre-existing condition clause.

If your business isn’t as profitable as you’d like it to  be, you can qualify for subsidies under Obamacare, it’s a function of MAGI – Modified Adjusted Gross Income, Line 37 on your 1040 tax return.

The premiums for self employed are still deductible, line 29 of your 1040, learn more, whether you have an Individual Plan or a Group Health Premiums under Section §106 IRC.  As long as the plan is for employees and if you have them, you’ll have to cover them to get the tax deduction.

Resources & Links

US News & World Report 11.28.2014 on advantages for self employed under Health Care Reform – Note though that in CA under AB 1672 – Self Employed could always get coverage!.

Related Pages in the EmployER Definition – Health Care Reform Self Employed Health Insurance Deduction on 1040  Sections

Schedule C – Line 12 Biz Income or Loss,  Line 29 Health Insurance Premiums,  Line 37 Adjusted Gross Income,   MAGI Income

Home Office Deduction


IRS Publication 334
Tax Guide for Small Business

IRS Tax Guide Small Business # 334

IRS Small Business Self-Employed Tax Center

How to fill out a Schedule C Profit or Loss from Business

Business Deduction
Meals & Entertainment

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