Coverage for Entrepreneurs
Betting on yourself shouldn't mean betting your family's health coverage
Every founder knows the moment: the venture is ready, the spreadsheet works, and then someone asks 'but what about health insurance?' — and the leap gets postponed another year. Benefits handcuffs are real, and they keep good businesses from ever starting.
Private PPO coverage breaks the handcuffs. Coverage that starts when you need it, prices on your health rather than your employer's group, and follows the family through every pivot, raise, and re-incorporation.
The problems we hear every week
The benefits handcuff
Staying in a job purely for the health plan is the most common tax on American entrepreneurship.
Founder income whiplash
A year of ramen followed by a year of real revenue makes subsidy planning meaningless.
COBRA burning runway
Paying full group rates out of savings while bootstrapping is a fast way to shorten your runway.
A private PPO tends to fit when you're…
- ✦Founders leaving W-2 jobs and staring down COBRA quotes
- ✦Bootstrappers who need a fixed, predictable premium
- ✦Startup households too variable-income for clean subsidy math
- ✦Healthy founder families wanting big-network PPO coverage
See what coverage costs for entrepreneurs
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Questions we get from entrepreneurs
When should I switch from COBRA to a private plan?
Usually the moment the math works — COBRA's advantage is deductible carryover, which matters less early in a plan year. Bring your dates to an advisor.
What happens when I eventually hire and want group benefits?
Your personal coverage doesn't block a future group plan. Many founders keep private family coverage even after adding group benefits for the team.
Investor-backed vs. bootstrapped — does it matter here?
Only in that funded founders sometimes get group coverage sooner. Until then, the individual math is identical.
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