Budd Health Advisors

09/21/2026

If you’re self-employed, choosing health insurance can feel very different than when you get coverage through an employer. Before 2027 open enrollment, review your doctors, prescriptions, travel plans, income changes, and family needs — renewing the same plan may not be the best move. Read more:
https://www.buddhealthins.com/post/health-insurance-for-self-employed-workers-what-to-review-before-2027-open-enrollment

If you’re self-employed, choosing health insurance can feel very different from the experience of someone who receives coverage through an employer.There is no benefits department selecting a few plans for you. There is no employer automatically paying part of the premium. And if your income, fami...

09/17/2026

Needing health insurance outside Open Enrollment? It happens — job changes, COBRA costs, or life transitions can leave you needing coverage mid-year. Our latest blog explains qualifying life events, timelines for Special Enrollment, and how to choose the right individual plan. Get the guidance you need today:
https://www.buddhealthins.com/post/how-individual-health-insurance-works-outside-open-enrollment

Needing health insurance does not always happen at a convenient time.You might leave a job in March, become self-employed in June, decide COBRA is too expensive in August, or realize halfway through the year that the coverage available through a spouse’s employer is not a good fit for your family....

09/16/2026

Starting a startup? Health insurance doesn’t have to be one more overwhelming choice. Our new blog breaks down practical options for founders, solo-preneurs, and small teams — from individual plans and SHOP to professional employer organizations and QSEHRA. Read the full guide and make the right move for your business:
https://www.buddhealthins.com/post/health-insurance-options-for-startups-and-new-businesses

Starting a business forces you to make decisions in an order that rarely feels convenient. You are trying to find customers, manage cash flow, hire the right people, set up payroll, choose software, handle taxes, and keep the business moving forward. Somewhere in that process, health insurance becom...

09/08/2026

Feeling stuck because Marketplace subsidies aren’t enough? Our latest post explains what healthy, relatively low-cost people should compare next — including alternatives that may save money without sacrificing coverage. Read the full guide:

https://www.buddhealthins.com/post/when-marketplace-subsidies-don-t-help-enough-what-healthy-people-should-compare-next

Key takeaways: when Marketplace makes sense, when to look elsewhere, and what to compare to find the best balance of cost and protection.

If you buy your own health insurance, there is a good chance you have been told to start with the Marketplace. For many people, that is a reasonable place to look. Marketplace coverage can be a strong fit when someone qualifies for meaningful premium assistance, has health conditions that make ACA p...

09/01/2026

Shopping for individual health insurance and feeling boxed into a few choices? Budd Health Advisors explains why healthy people without employer plans should compare Marketplace and private options - and what to check beyond the monthly premium: networks, deductibles, prescriptions, and underwriting. Learn which factors matter for your situation and when private coverage may be worth a look. Read more: https://wix.to/sSMbPMl 🩺🔍

07/21/2026

Private Health Insurance vs Marketplace Plans for Individuals — which is right for you? Our new post breaks down key differences, costs, eligibility, and when private plans can be a smart alternative. Read the full guide to make an informed choice about your coverage:
https://www.buddhealthins.com/post/private-health-insurance-vs-marketplace-plans-for-individuals

For many individuals, the first place they look is the Health Insurance Marketplace. That makes sense. Marketplace plans are widely available, provide important consumer protections, and may come with premium tax credits for people who qualify based on household income and other eligibility factors....

06/22/2026

No employer coverage? No problem — there are options. Our latest blog breaks down health insurance choices for families without employer plans, explains eligibility for Medicaid/CHIP, ACA Marketplace enrollment, short-term alternatives, and tips to protect your family budget.
Read more:
https://www.buddhealthins.com/post/health-insurance-options-for-families-without-employer-coverage

Health insurance becomes a very different conversation when a family does not have coverage through an employer. There is no HR department narrowing the choices, no company contribution helping with the monthly premium, and no benefits packet that makes the decision feel somewhat organized. Instead,...

06/11/2026

Shopping for individual health insurance? Understanding PPOs can save you money and stress. Our new post breaks down what PPO means, how networks, referrals, and specialist access work, and which situations PPO plans often suit best. Read the full guide to make smarter coverage choices.

https://www.buddhealthins.com/post/understanding-ppo-options-for-individual-health-insurance

When someone starts shopping for individual health insurance, one of the first confusing terms they run into is PPO. It gets used constantly, but many people are not fully sure what it means or why it matters. Some plans sound affordable until the person realizes their doctor is not in network. Othe...

06/08/2026

Small business owners juggle a lot — hiring, payroll, margins — and health insurance sits right in the middle. Our new post breaks down practical ways small businesses evaluate health plans so you can make choices that help retention, cash flow, and competitiveness.
Read more:
https://www.buddhealthins.com/post/how-small-businesses-evaluate-health-insurance-plans

Small business owners usually do not wake up excited to compare health insurance plans. They are trying to run the company, keep employees productive, manage payroll, serve customers, protect margins, and make smart decisions without creating a financial mess. Health insurance sits right in the midd...