No deductible · No copays · No income test

Health Insurance for Small Business Owners

You may be covering employees, covering yourself, or trying to work out whether you can afford to do either this year.

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★ 4.9 from 169 Google reviews● Independent since 2006● Licensed in 23 states to serve you
Licensed agent at The Jordan Insurance Agency reviewing coverage options for small business owners
4.9
★★★★★
169 Google reviews

Experience you can count on

20+
Years serving clients
4.9
Google rating · 169 reviews
23
States licensed

The problem small business owners describe

Covering everyone else first

Owners routinely insure the business, the vehicles, the liability and the staff, and leave their own coverage until last. When the premium finally gets looked at, the number has usually moved.

Can fixed benefit coverage help?

The Jordan Insurance Agency helps you compare fixed benefit health coverage with your needs and budget. These plans pay scheduled amounts for covered services without an income-based subsidy calculation. They are not a substitute for comprehensive coverage, and you are responsible for charges above the benefit.

How Marketplace costs changed in 2026

KFF’s 2026 Marketplace analysis reports 23.1M plan sign-ups and an average deductible of $3,786, up 37%. KFF projected a 114% average premium-payment increase for subsidized enrollees keeping the same plan; that projection is not the observed average increase across all enrollees.

Enhanced federal premium tax credits expired after 2025. Under the standing federal premium tax credit rules, household income above 400% of the federal poverty level does not qualify for that credit. Losing a subsidy does not itself mean you cannot buy Marketplace coverage.

Understand your coverage

What “no deductible” actually means

A fixed benefit plan does not reimburse your expenses. It pays a set dollar amount when a covered event happens. Federal regulators describe it as “fixed, cash payments upon the occurrence of a health-related event,” where “benefits are paid regardless of the amount of expenses a consumer incurs.” Here is how the benefits work and what to compare before you enroll.

No deductible

There is nothing to deduct from. The plan is not sharing your bill — it pays a fixed amount on a covered service from the first claim, so there is nothing to satisfy first.

No copay

You are not paying something to unlock a benefit. The plan pays what its schedule says and you settle the remainder with the provider.

The benefit has a ceiling

Because the plan pays a set amount, a large bill can exceed the benefit and you owe the difference. A small bill can land under it, and the balance goes to you.

No income test

Premiums turn on age, tobacco use, benefit tier, household size and state. Nothing is estimated in advance and nothing is reconciled on your tax return.

Understand the benefits and limits

This is regulated as an excepted benefit, outside the Affordable Care Act’s comprehensive-coverage rules, and the federal guidance is clear: it is not a substitute for comprehensive coverage. It is medically underwritten, most policies carry a preexisting-condition limitation commonly running 12 months, and routine pregnancy and childbirth are generally excluded with only complications covered. Terms vary by policy and by state, every time. We explain these terms during your consultation so you can make an informed decision. Read the federal explanation of fixed indemnity coverage.

Designed around real situations

Where most small business owners are when they call

Find the one that sounds like you. It changes what we would recommend, and sometimes it means we tell you to buy less than you were planning to.

Owner without a group plan

Too small for a group, too well-paid for a subsidy, and paying retail for your own coverage.

Thinking about a group plan

Worth comparing the group route against what you and your team could do individually.

Seasonal revenue

Landscaping, construction, hospitality and retail all have months that carry the year.

Above the subsidy line

Owner income above 400% of the federal poverty level means no premium tax credit at all.

Offering something to staff

Not every business can fund a full group plan, and there are narrower things worth understanding first.

Healthy owner, high premium

You barely use the coverage and the price does not reflect that.

Make a confident decision

A consultation centered on you

A first call takes about twenty minutes. We ask what you are treating, what you take, what you used last year, and what the premium did to you. Then we tell you what we think — including, regularly, that you should stay where you are.

Let us talk about your health history

This coverage is medically underwritten. Preexisting conditions generally carry a 12-month benefit limitation, with terms varying by state. Tell us about ongoing treatment, prescriptions or planned care so we can explain the applicable benefits, exclusions and eligibility before you apply rather than after.

Would you rather see numbers first?

If you would rather look at pricing before you speak to anyone, you can run your own quote. A self-serve quote prices the base plan on its own — the layered package we would usually recommend, adding critical illness, accident, and dental and vision cover, is a conversation rather than a form.

Run your own quote →

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Where we can help

Licensed in 23 states

Small Business Owners work across state lines, so this matters. The Jordan Insurance Agency holds an accident and health line of authority in each of the states below. Product availability and benefit schedules still vary by state, so ask us about yours.

NC
AL
AR
AZ
CA
FL
GA
IN
LA
MI
MO
MS
NJ
NM
NV
OH
PA
SC
TN
TX
VA
WI
WV

The full list

North Carolina, Alabama, Arkansas, Arizona, California, Florida, Georgia, Indiana, Louisiana, Michigan, Missouri, Mississippi, New Jersey, New Mexico, Nevada, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Wisconsin and West Virginia.

Ask us about your state before scheduling so we can confirm whether we can help.

How we work

We will tell you what we actually think

Independent, not captive

We represent multiple carriers and help you compare the coverage available for your needs, budget, and state.

No cost to you

You pay the same premium you would pay going direct. The help and the ongoing service are included.

We read you the schedule

If it is a fit, we read the actual benefit schedule and walk the exclusions out loud. You get the documents before you sign anything.

A real person next year

The same agency when your income changes, a plan is discontinued, or a claim goes sideways.

Go deeper

Questions small business owners ask before they buy

This page is about individually owned coverage. Employer arrangements are a separate conversation with real rules attached, and we will have it with you properly rather than in a web page footnote.

Sometimes, clearly. It depends on headcount, who actually enrolls, your own income, and what your people would qualify for individually. We will run both comparisons.

No. It is regulated as an excepted benefit, outside the Affordable Care Act's comprehensive-coverage rules, and the federal characterization is direct: it is not a substitute for comprehensive coverage. It pays a set amount per covered service rather than a share of your bill, and there is no cap on what you could owe above that amount.

Yes. Marketplace enrollment generally requires Open Enrollment or eligibility for a Special Enrollment Period. This coverage is not bound to that calendar. It is medically underwritten instead, which is a real tradeoff rather than a free pass.

Both are commonly included and both are useful. Neither is insurance. The discount card is a discount program and comparable cards are free to the general public, and specialty virtual care such as psychiatry, psychology and dermatology typically costs extra.

▶No deductible health plans, in full▶Fixed benefit health plans▶Who should not buy a limited medical plan▶Fixed benefit versus major medical▶How to build a coverage package▶Full guide to health insurance alternatives

Talk to a licensed agent

Book a call and we will tell you what we actually think. If this is not right for you, you will hear that first, and you will hear why.

Call (704) 926-7565
Locations
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North Carolina Office
3540 Toringdon Way
Suite 200
Charlotte, NC 28277

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Tennessee Office
159 4th Ave N
Suite 100
Nashville, TN 37219

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(704) 926-7565

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(980) 206-3356

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