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Enter income, state, entity and what you pay now.
LLC owner
LLC owner health coverage when the LLC has no employees
Forming the LLC did a lot of things for you. Getting you group health coverage was not one of them. To a carrier, an LLC with no employees is still a company with no employees, and the application ends there.
So you are buying on the individual market, and this year you are doing it without the subsidy that used to sit behind the cost.
Payment
Can my LLC just pay for my health coverage?
It is the most common question owners ask, and the answer disappoints people. Yes, your LLC can usually pay the current cost and your CPA will treat it appropriately. That is a question about who writes the cheque and how it is deducted.
It does not change what you are able to buy. Paying an individual market current cost from a business account is still an individual market current cost. The plan, the network and the cost are identical.
The thing worth changing is not the payer. It is the structure the coverage sits inside.
Entity limit
Why the LLC alone is not enough.
A single member LLC is usually disregarded for tax purposes, so the income lands on your personal return and there is no payroll and no W-2. Carriers are looking for an employer with an employee. A disregarded entity with neither does not clear that bar however legitimate the business is.
This is why owners with real revenue and years of trading still get declined by PEO after PEO. It is a headcount rule, not a judgement about your business.
Change
What changes.
Through a co-employment arrangement the owner is treated as a W-2 employee of the co-employer, and coverage comes from an established group master plan rather than being written for a company of one.
For many LLC owners this also brings an election question into view, because how the entity is taxed affects the arithmetic. That decision belongs with your CPA. We are not going to tell you how to be taxed, and you should be wary of anyone who does.
The licensed provider still decides the outcome.
Calculator first
Your figures, worked through.
Remove what does not fit
The calculator does the arithmetic, eliminates what you do not qualify for, and shows what is left.
Keep the better answer
It is not an average of people like you. It is your numbers. If you are better off where you are, it will tell you.
Move to
What you would be moving to.
A group-plan path. No referral to see a specialist, a network that travels with you, and a better chance your current doctors are already in it than a regional HMO offers.
Dental, vision, a Vestwell retirement plan and workers compensation are all available through the same structure and all optional.
For the network details, read the Group-plan access page.
Objections
The questions LLC owners ask first.
My LLC already pays my current cost.
Then the payment is sorted and the cost is not. Those are different problems.
I do not want to change my entity.
You may not need to. Enter your situation as it stands and see what the arithmetic says before considering anything else.
Is this legal?
Co-employment is an established arrangement with a long history. It is not a workaround.
I tried a PEO and they said no.
Almost everyone reading this page did.
FAQ
LLC owner coverage questions.
The LLC was the first structure. This is the one that reaches the coverage.