{"product_id":"self-employed-insurance-guide","title":"The Self-Employed Insurance Guide: Health, Liability, and Disability Coverage (PDF Guide)","description":"\u003cp\u003eYou left the job and the benefits left with it. No plan picked for you, no premium split, no quiet coverage if you get hurt. Nobody hands a freelancer a benefits packet.\u003c\/p\u003e\n\n\u003cp\u003eThis is the shortlist. What to buy, what it actually costs, and what changed in 2026, written for people who own the whole thing: freelancers, consultants, contractors, one-person agencies, trades.\u003c\/p\u003e\n\n\u003ch3\u003eWhat is inside\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe 2026 subsidy cliff.\u003c\/strong\u003e The enhanced premium tax credits expired on December 31, 2025. Earn one dollar over $62,600 as a single filer and your credit drops to zero. Why this hits self-employed people hardest, and the three contributions that pull your income back under the line.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBuying a plan with no employer.\u003c\/strong\u003e Enrollment windows, the 60 day life event rule, what the metal tiers really mean, and the silver plan exception nobody points out on the shopping page.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe HDHP and HSA combination,\u003c\/strong\u003e with the 2026 IRS limits in a table, plus an honest read on when it is the wrong plan for you.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFive other ways people get covered,\u003c\/strong\u003e including a straight answer on health care sharing ministries and short term plans.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe write-off most people miss,\u003c\/strong\u003e how Form 7206 works, and the disability premium trap that quietly taxes your benefit.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLiability in plain terms.\u003c\/strong\u003e What general liability covers at $45 a month, what it does not, why errors and omissions is claims-made, and what tail coverage protects.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDisability, the policy nobody buys.\u003c\/strong\u003e Own-occupation, 90 day elimination, benefits to 65, and what it costs at your income.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eA seven day plan.\u003c\/strong\u003e One task a day, none of them longer than an hour.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003cp\u003eEvery figure is real and sourced on the last page: IRS limits, KFF enrollment data, Congressional Research Service, Insureon cost data. No invented statistics, no filler pages.\u003c\/p\u003e\n\n\u003cp\u003e12 designed pages, US Letter, instant download. Written for US coverage rules. General information, not legal, tax, or insurance advice.\u003c\/p\u003e","brand":"The PDF Press","offers":[{"title":"Default Title","offer_id":51506775064891,"sku":"TPP-SEI-001","price":29.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0964\/3583\/1099\/files\/covered-without-a-company-cover.jpg?v=1785024096","url":"https:\/\/thepdfpress.co\/products\/self-employed-insurance-guide","provider":"The PDF Press","version":"1.0","type":"link"}