For Finance Professionals

Health coverage that balances your books.

ACA marketplace plans for self-employed accountants, advisors, bookkeepers, tax pros, and small firms — with deduction strategy and busy-season-aware enrollment.

Get a Free Quote See who we cover
  • Licensed in all 50 states
  • Schedule C deduction strategy
  • Free advisor call within 24 hours
Coverage
Premiums
Network
LEDGER REF · #2024-CPA-117
Coverage Reconciliation
✓ RECONCILED
Plan TypeSilver HSA-Compatible
Deductible$3,200
Monthly Premium$412.00
Tax Treatment100% Sch. 1 deduction
NetworkPPO · Nationwide
Annual Tax Savings$1,484.00
Finance professionals reviewing coverage documents together
Ledger Ref · #2026-Q1
Coverage · Open enrollment
Built for one audience

Coverage for the people who balance everyone else's books.

Most brokers treat the self-employed as an afterthought. We were built around the cadence and tax rhythm of finance practitioners — from sole proprietors to small firms.

Accountants & CPAs
Bookkeepers
Tax Preparers
Financial Advisors
Fractional CFOs
Small Firms 2–50
Self-employed accountant working at a wooden desk in warm afternoon light

The numbers behind the coverage.

Built around how finance professionals actually work — sole proprietors, small firms, busy seasons and all.

200+
Plan options reviewed per client
24 hr
Average advisor response
100%
Schedule C deduction strategy support
50
States licensed and ready
Section 04

Pick your filing status.

Coverage strategy varies by how you file. Choose your role to see what fits.

CPA in a navy blazer reviewing coverage paperwork with a client across a sunlit desk
Filing status · Schedule C
Advisor review · 24 hr
Best plan types
Silver HSA, Gold PPO
Tax strategy
Schedule 1 SE health deduction; HSA + SEP-IRA stack
Common deductions
Premiums, HSA contributions, home-office portion
Section 05

Your coverage, line by line.

Small accounting firm collaborating over laptops and printed reports in a sunlit office
Practice · 2–10 partners
QSEHRA · modeled side-by-side
What you get
ACA marketplace access
On your return →Premium tax credits (APTC) calculated against your AGI
Schedule C health premium strategy
On your return →Above-the-line deduction on Schedule 1, line 17
HSA-compatible high-deductible plan
On your return →Triple tax advantage; $4,150 individual / $8,300 family contribution
SEP-IRA + HSA pairing strategy
On your return →Combined retirement + medical shelter up to $73K+/yr
Family coverage through your practice
On your return →Whole-household premiums fully deductible if self-employed
Dental & vision add-ons
On your return →Standalone plans; premiums included in SE health deduction
HSA + Retirement

Stack the shelters.

Pair an HSA-eligible plan with your SEP-IRA, Solo 401(k), or Cash Balance plan. For solo practitioners, the combined annual shelter routinely clears $73,000 — fully deductible.

  • Triple tax advantage on HSA contributions
  • SE health deduction reduces AGI directly
  • Premium tax credit modeling included
Financial advisor reviewing a navy ledger with fountain pen — HSA and retirement planning
Section 06

Coverage that respects your busy season.

Q1JAN – MAR

File first, review later

You're in tax-season crunch — we handle paperwork, reminders, and any urgent coverage questions without pulling you out of returns.

Q2APR – JUN

Post-deadline reconciliation

April 16 onward: we reconcile your APTC against actual AGI, true up any subsidies, and audit your premium deduction.

Q3JUL – SEP

Mid-year tax planning

Coverage review against current-year income projections. SEP-IRA + HSA contribution modeling for the back half.

Q4OCT – DEC

Open Enrollment + strategy

Nov 1–Jan 15: plan selection for next year, baked into your year-end tax strategy session.

Section 07

What finance pros are saying.

A family walking together in a sunlit park during golden hour
Coverage · whole household
Deductible · self-employed
DO
Diane O., CPA
Solo practice · Charlotte, NC

"Ledger Health did my whole open enrollment in October without me having to think about it once during April. That alone was worth the switch."

MW
Marcus W., EA
Tax prep firm, 4 staff · Phoenix, AZ

"They walked through the Schedule C health premium deduction with me line-by-line — caught $2,100 my prior broker missed for two years running."

PN
Priya N., Bookkeeper
Sole proprietor · Minneapolis, MN

"The HSA pairing with my SEP-IRA shelter is exactly the strategy I'd recommend to my own clients. Finally a broker that actually speaks our language."

Reconcile your coverage.

Two minutes. No commitment. Free advisor call within 24 hours.

Section 09

Frequently asked by finance pros.

Self-employed finance professionals — accountants, CPAs, bookkeepers, tax preparers, enrolled agents, financial advisors, and fractional CFOs — plus their families and small firms (2–50 employees). If you balance someone's books, we cover yours.
Section 10

Filing-season reading.

Guide

The Self-Employed Accountant's Health Insurance Guide

A 12-page primer on ACA plans, deductions, and enrollment for sole practitioners.

Read
Strategy

Schedule C Health Premium Deduction Strategy

How to structure your filing to capture the full self-employed health deduction.

Read
Playbook

HSA + SEP-IRA Pairing for Solo CPAs

The triple-tax-advantaged stack that shelters $73K+/yr for solo practitioners.

Read