Guide

Self-employed realtor coverage: comparing your real options.

Private, ACA, short-term, supplemental — what each is good (and not good) at.

Private major-medical

Best for: Year-round protection, doctor flexibility, no Marketplace dependency.
Watch: Premiums can be higher without a subsidy.

Best for: Households that qualify for premium tax credits; pre-existing conditions.
Watch: Enrollment windows; income changes mid-year.

Best for: Healthy adults bridging a gap.
Watch: Doesn't cover pre-existing conditions; benefit caps; state limits.

Best for: Cash benefits when life interrupts your business.
Watch: Not a replacement for major-medical.

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