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
Indiana has a low flat state income tax and many counties add their own, so the self-employed health premium deduction helps at both levels. 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 Indiana
Realtors, contractors, consultants, drivers, salon owners, and anyone running a business from Indianapolis, Fort Wayne, Evansville and across the state. Indiana's Healthy Indiana Plan covers lower-income adults, so the people still shopping the marketplace are mostly above the subsidy range — the group private plans are built for.