Self-employed small business owners earn too much for marketplace subsidies but find traditional health insurance unaffordable, needing catastrophic coverage with HSA eligibility and low premiums.
Existing health insurance options fail to meet the needs of healthy, self-employed families who fall in the subsidy gap: marketplace plans require high premiums for comprehensive coverage, while ACA-compliant catastrophic plans are only available to those under 30 or with hardship exemptions, and often lack HSA eligibility.
CatastrophicPlus Health
A health insurance marketplace and plan comparison platform tailored for self-employed individuals and small business owners who need catastrophic coverage with HSA eligibility. It aggregates niche health plans, direct primary care memberships, health sharing ministries with catastrophic riders, and high-deductible plans, filtering by HSA compatibility and state availability. The platform simplifies the selection process with personalized recommendations based on income, family status, and health needs.
- Side-by-side comparison of HSA-eligible catastrophic and high-deductible plans
- Eligibility checker for ACA catastrophic plan exemptions (age, hardship, affordability)
- Integration with direct primary care memberships to reduce out-of-pocket costs
- Tax savings calculator showing HSA contribution benefits over time
- Guidance on health sharing ministries with catastrophic coverage as alternatives
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