The self-employed individuals that I work with range from 1099 contractors to individuals and families running their own small business.  Usually, it is a solopreneur working as a real estate broker, a software contractor or a management consultant, etc.

The PPO options that are available can be attractive because many of these individuals are location independent and prefer the unrestricted access to physicians whether they spend their winters in Arizona or their summers in Michigan.

Subsidized ACA plans available on the Colorado Exchange can be attractive for those just starting out because there may be a large enough subsidy available (tax credit) to cover the entirety of an individual or family’s health insurance premium until strong enough cash flow is generated from a new business.