Cover yourself while you build the company.

Health insurance for entrepreneurs and startup founders

In the early stage of a business, you rarely have a group plan — and putting one in place before you have a team is usually expensive and premature. Most founders cover themselves with an individual private PPO plan or a Marketplace plan first, then add a group plan later as the company grows. A private PPO fits the founder stage well: it enrolls year-round, it is not tied to the company's ups and downs, and it gives you a nationwide network to keep your own doctors.

Coverage that survives the startup rollercoaster

Startup income and runway are unpredictable, and a private PPO is coverage you own regardless of how a given month goes. Eligibility depends on your age, location, and health rather than payroll, so you can get covered whether you are pre-revenue or scaling. It also travels — if you relocate to raise or hire, your plan and network come with you.

• Individual coverage that does not require a team or payroll
• Year-round enrollment for a fast-moving early stage
• Nationwide network you keep as you travel and relocate
• Premiums may be deductible as a self-employed expense

When to move from individual to group coverage

A formal group plan generally makes sense once you have several employees who want coverage through the company. Before that, an individual private PPO is usually cheaper and far less administrative work. A licensed advisor can help you time the switch as you hire.

Choosing a founder-friendly plan

List the doctors and prescriptions you want to keep, then have a licensed advisor compare private PPO options for your ZIP code against any Marketplace subsidy you would qualify for. The review is free and comes with no obligation.