Osborne Health Advisors

06/16/2026

Most entrepreneurs budget for ads, software, and office space — but leave their health completely unprotected.

One unexpected hospital stay can cost $30,000+. Without a plan, that bill comes straight out of your business cash flow.

Here's what I see every week as a healthcare advisor:
→ Founders who delayed coverage and paid the price
→ Truckers between contracts with zero protection
→ Families one diagnosis away from financial chaos

Health insurance isn't an expense. It's the foundation your business stands on.

If you're self-employed and unsure what coverage actually fits your situation, I offer free consultations to break it all down — Medical, Dental, Vision, and Life, all in one conversation.

Drop a comment or DM me 'AUDIT' and let's make sure you're covered.

05/25/2026

05/19/2026

Did something big happen in your life this year? You might qualify for health insurance RIGHT NOW — even outside of Open Enrollment.

It's called a Special Enrollment Period (SEP), and most self-employed people have no idea it exists.

You may qualify if you've experienced:

🔹 Lost job-based coverage (even if you left voluntarily)
🔹 Got married or divorced
🔹 Had or adopted a child
🔹 Moved to a new coverage area
🔹 Had a significant income change

SEPs give you a 60-day window to enroll in a new plan — and you don't have to wait until November's Open Enrollment.

This is huge for freelancers and contractors whose income and life circumstances change throughout the year.

If any of those situations sound familiar, don't wait. That window closes fast.

Osborne Health Advisors can walk you through exactly what you qualify for in under 30 minutes.

Drop a 📩 below or send us a direct message — let's figure out your options before the window closes. Call (217) 257-7263 or Visit www.osbornehealthadvisors.com to book a FREE Consultation.

OHA is here to help you navigate the world of insurance, whether you’re an individual, a family, a small group, or a business. Discover vision, dental, medical, and life insurance options tailored to your needs. Simply choose the option below that fits you, fill out a quick form, and schedule your...

05/14/2026

The most expensive insurance decision you'll ever make is the one you keep putting off. 💡

One unexpected diagnosis. One ER visit. One accident.

That's all it takes to turn months of hard work into a medical bill that follows you for years.

You built your business to create freedom — not to risk it all on a "I'm probably fine."

Protecting your income starts with protecting your health.

At Osborne Health Advisors, we make finding the right coverage simple, fast, and surprisingly affordable.

📩 DM us or Call (217) 257-7263 to book a free consultation.

05/13/2026

ACA Plan vs. Private Health Plan — which one actually makes sense for you?

This is one of the most common questions we get at Osborne Health Advisors. Here's a straight breakdown:

📋 ACA (Marketplace) Plan:
✅ Income-based subsidies can drastically lower your premium
✅ Cannot be denied for pre-existing conditions
✅ Open Enrollment window applies (Special Enrollment for qualifying life events)
⚠️ Premiums can be higher without subsidy eligibility

📋 Private Health Plan:
✅ More flexibility in coverage start dates
✅ Can offer broader network options in some cases
✅ No enrollment window restrictions
⚠️ Not eligible for government subsidies
⚠️ Underwriting may factor in health history

The "right" answer depends entirely on your income, health history, and how much flexibility you need.

That's exactly why a one-size-fits-all approach doesn't work — and why we do personalized plan comparisons.

Which type have you been on? Let us know in the comments 👇 or Call (217) 257-7263
to find out which fits your situation.

05/12/2026

He'd been driving his own truck for 6 years without health insurance.

"I'm healthy. I never go to the doctor. It's not worth it."

Then he got a type 2 diabetes diagnosis at 41.

Suddenly it wasn't just a doctor's visit — it was ongoing medication, lab work, specialist appointments, and a very real conversation about his future.

Without coverage? He was looking at hundreds of dollars a month OUT OF POCKET just to manage a condition he didn't see coming.

You can't predict what's coming. But you CAN make sure it doesn't wipe out everything you've worked for.

If you've been putting off getting covered, let's talk. No judgment — just options.

Give us a call (217) 257-7263. We'll show you what's available in your area.

05/08/2026

What you pay OUT OF POCKET before insurance kicks in matters.

05/07/2026

Can self-employed people deduct health insurance premiums? 👇

Short answer: YES — and it's one of the most overlooked tax advantages available to entrepreneurs.

Here's what you need to know:

🔹 If you're self-employed and not eligible for coverage through a spouse's employer plan, you can typically deduct 100% of your health insurance premiums.

🔹 This applies to medical, dental, and vision premiums — for you AND your family.

🔹 It's an above-the-line deduction, meaning you don't need to itemize to claim it.

That means the plan you're paying for RIGHT NOW could be reducing your taxable income significantly.

Most people don't find this out until tax season — and by then, they've already missed months of savings.

At Osborne Health Advisors, we help you find coverage that fits your budget AND works in your favor come next April.

Have questions about your specific situation? Send us a message — we'll give you a straight answer.

05/06/2026

"Health insurance is too expensive when you're self-employed."

I hear this ALL the time — and honestly? It's one of the most expensive myths out there.

Here's what most freelancers don't realize:

✅ ACA marketplace plans come with income-based subsidies that can dramatically lower your monthly premium.

✅ If you made under $58,000 last year as a single person, you may qualify for significant financial help.

✅ Some clients pay as little as $0–$50/month after applying their tax credits.

The people going uninsured aren't doing it because coverage doesn't exist. They're doing it because nobody showed them what they actually qualify for.

That's exactly what we do at Osborne Health Advisors — no pressure, no jargon, just honest numbers.

Curious what YOUR actual cost could be? Message us and we'll find out together. 👇

Or call today: (217) 257-7263

05/05/2026

Most self-employed people pick a health plan without knowing what half the terms mean — and it costs them thousands.

Here are 5 terms you MUST understand before choosing coverage:

1. Deductible — What you pay OUT OF POCKET before insurance kicks in.
2. Premium — Your monthly payment to keep the plan active.
3. Out-of-Pocket Maximum — The MOST you'll ever pay in a year. After this, insurance covers 100%.
4. Coinsurance — Your share of costs AFTER meeting your deductible (e.g., you pay 20%, insurance pays 80%).
5. Network — The doctors and hospitals your plan actually covers.

When you understand these, you stop overpaying for plans that don't fit — and start choosing coverage that protects your income.

At Osborne Health Advisors, we walk you through every single one of these before you commit to anything.

Want a free plan comparison tailored to your situation? Drop a comment or send us a message — we're here to help.