Two markets for the self-employed
Subsidy-eligible after business expenses → Virginia's Insurance Marketplace. Above the subsidy line and healthy → private PPO on Cigna, Aetna and PHCS PPO, priced on your health rather than your income. Serious condition → marketplace regardless.
The deduction
Virginia has a progressive state income tax, so the self-employed health premium deduction helps at both the federal and state level. Self-employed people deduct 100% of premiums above the line on either kind of plan, and can stack HSA contributions on an HSA-eligible plan.
Who we see most in Virginia
Realtors, contractors, consultants, drivers, salon owners, and anyone running a business from Richmond, Virginia Beach, Arlington and across the state. Virginia runs its own state-based marketplace, Virginia's Insurance Marketplace, and Northern Virginia's contractor and consulting workforce is one of the largest self-employed groups on the East Coast.