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
Michigan has a flat state income tax, so the self-employed health 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 Michigan
Realtors, contractors, consultants, drivers, salon owners, and anyone running a business from Detroit, Grand Rapids, Ann Arbor and across the state. Michigan has a deep self-employed and skilled-trades workforce, and Blue Cross Blue Shield of Michigan dominates the marketplace — which is why people who want a different network look at private PPOs.