Escape the Healthcare Cost Trap

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⚠️ 2026 SUBSIDY CLIFF WARNING

On January 1, 2026, the subsidy cliff returns. Earn $1 too much = lose $10,000-$20,000 in subsidies!

Are YOU in the danger zone? Find out in 30 seconds with our FREE calculator.

Calculate Your 2026 Risk Now (FREE) →
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Must-Read Articles for the Self-Employed

The $34,000 Reality: High Deductibles

$2,000/month premium + $10,000 deductible = $34,000 before insurance pays anything. The brutal math exposed.

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ACA Subsidy Cliff Calculator

A single dollar of extra income can cost you $11,479 in lost subsidies. Learn how to avoid this trap.

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$47,000 Saved With One Call

Real story: How one family saved $47,000 by switching from traditional insurance to an alternative.

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Gig Economy Health Crisis

Why Uber, DoorDash, and freelance workers are trapped without affordable healthcare options.

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F-1 Student Insurance Nightmare

International students forced to buy $3,000/year insurance that covers almost nothing.

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December Income Panic

How year-end bonuses and income can destroy your healthcare subsidies for the entire year.

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Spouse Job Trap

How a $15/hour part-time job cost one family $18,000 in lost healthcare subsidies.

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Emergency Room Bankruptcy

$5,000 ER bills on top of $2,000/month premiums. The emergency care crisis exposed.

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Tax Deduction Guide

Complete guide to health insurance tax deductions for self-employed individuals.

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Best States for Self-Employed

State-by-state comparison of healthcare costs and options for freelancers.

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HSA Strategies

How to use Health Savings Accounts to save thousands on taxes and medical costs.

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Prescription Drug Trap

Why your "covered" medications still cost hundreds per month and what to do about it.

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Popular Tools & Resources

🔥 NEW: 2026 Subsidy Cliff Calculator

Find out if you're at risk of losing $10,000-$20,000 in subsidies when the cliff returns January 1, 2026. Free interactive calculator with personalized recommendations.

Calculate Your Risk Now (FREE) →

State Healthcare Programs

Complete guide to state-specific programs for freelancers and self-employed individuals.

View Guide →

Medical Debt Solutions

What to do when medical bills threaten your financial stability.

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