Coverage for Consultants
You advise everyone else for a living. Get some straight advice for once.
Independent consultants tend to share a profile: left a corporate job with great group benefits, made more money on their own, and then discovered that their income puts every subsidy out of reach while COBRA quotes read like typos.
You're precisely who private underwritten PPO coverage prices well: healthy, established, above subsidy range, and allergic to narrow networks after a career of good insurance.
The problems we hear every week
COBRA sticker shock after corporate life
Continuing the old employer plan at full freight is many consultants' first exposure to what coverage really costs.
Too successful for subsidies
Solid consulting income means the marketplace offers you full-price plans with networks a step down from what you had.
Client travel, local network
On-site engagements across the country don't pair well with a one-metro HMO.
A private PPO tends to fit when you're…
- ✦Solo consultants and boutique-firm principals without group plans
- ✦Recent corporate leavers weighing COBRA against the open market
- ✦High-earning households above the subsidy cliff
- ✦Frequent travelers who need nationwide in-network care
See what coverage costs for consultants
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Questions we get from consultants
How does this compare to what I had at my old company?
Bring your old summary of benefits to the call. Advisors do this comparison daily and will show you exactly where a private PPO matches, beats, or trails it.
I run my consultancy as an S-corp. Does that change anything?
It can change how premiums flow through your taxes. Your advisor handles the coverage; loop in your CPA for the deduction mechanics.
How fast can coverage start?
After underwriting approval, often within days — much faster than waiting for an open-enrollment window.
Ready to find the right health insurance for you?
Ten minutes on the phone with a licensed Liberty Health advisor and you'll know what every option really costs — even if the honest answer is that the marketplace suits you better.
Mon–Fri, 8am–6pm CT