2. Profile 1 — The Self-Employed Individual
Business owner, independent contractor, or freelancer.
Who They Are
Business owner, independent contractor, or freelancer. No employer coverage. May have had ACA before or be coming off a spouse's plan. Paying out of pocket for everything and usually aware of what things cost.
What They Are Dealing With
- ACA is too expensive without a subsidy — they have likely already looked
- Tired of narrow networks and not being able to see the doctor they want
- Want a predictable monthly cost they can budget around
- May ask about deducting premiums as a business expense
- These clients tend to be decisive — if the price and coverage make sense, they move
- They are used to making financial decisions on their own, so give them clear numbers
- PPO access and no referral requirements are usually the biggest selling points for this group
What to Know Going In
- These clients tend to be decisive — if the price and coverage make sense, they move
- They are used to making financial decisions on their own, so give them clear numbers
- PPO access and no referral requirements are usually the biggest selling points for this group