If you don't qualify for ACA subsidies, you typically choose between unsubsidized ACA platinum or gold plans, off-exchange private plans with broader national networks, or short-term medical for bridging coverage gaps. A licensed advisor can model true after-tax cost across each route so the decision is grounded in real dollars not sticker prices.

For self-employed households earning above the subsidy line, the self-employed health insurance deduction is generally above-the-line and can materially reduce after-tax premium cost. Structuring through an S-corp, LLC, or partnership can sharpen the benefit further — our advisors coordinate directly with your CPA so the plan you choose maps cleanly to the deduction you actually capture.

Yes. Premium private plans from carriers like UnitedHealthcare, Aetna, Cigna, and Blue Cross Blue Shield include broad national networks with direct specialist access and meaningful out-of-network benefits — important for families who travel, maintain multiple residences, or rely on specific concierge or academic medical center providers.

Without subsidies, on-exchange ACA plans often have narrower regional HMO/EPO networks. Off-exchange private plans typically offer wider networks, larger out-of-network benefits, and more carrier choice — at a higher unsubsidized premium. Both cover pre-existing conditions when fully ACA-compliant. We model real total cost (premium + deductible + tax impact) so you can decide.

Rarely. COBRA continuation typically runs $2,000–$3,000/month for a family of four. A privately underwritten bridge plan often delivers comparable or broader network access at a fraction of the cost — with effective dates as quickly as the next day. We compare both before recommending either.

Yes. Our concierge advisors are compensated directly by carriers — there's no separate fee, retainer, or commission added to your premium, regardless of plan size. You receive licensed advisor expertise without paying for it.

Leo Source focuses exclusively on Americans ages 18–64, with an emphasis on premium private and ACA-compliant coverage for individuals and families who don't qualify for ACA subsidies.