Variable income? Choose a plan that survives your slow months.

Rule 1: Budget against the floor

Look at your worst three months from the past two years. If a premium feels uncomfortable in those months, it's the wrong premium.

Rule 2: Choose deductibles you can fund

A high deductible is fine — if you can actually reach it from cash. If not, a lower deductible (and higher premium) may be the better trade.

Rule 3: Layer cash-benefit coverage

Supplemental accident or hospital indemnity pays you a lump sum, separate from medical bills. That cash can cover rent or business overhead during recovery.

Rule 4: Re-estimate income honestly

If you're on an ACA plan with a subsidy, report income changes promptly — both up and down — to avoid year-end surprises.