Ian McIntosh Health Advisor

06/22/2026

💡 HEALTH INSURANCE TIP FOR HIGH-INCOME & HEALTHY INDIVIDUALS 💡

Many people assume the ACA Marketplace is the only option for health coverage, but that’s not always the case.

If you’re healthy and your income puts you above the tax credit range, it may be worth exploring coverage outside of the subsidy marketplace and comparing all available options.

Things to compare:
✅ Monthly premium
✅ Deductible & out-of-pocket costs
✅ PPO vs HMO access
✅ Network flexibility
✅ Coverage designed for your budget and needs

The lowest premium doesn’t always mean the lowest overall cost.

If you’re self-employed or paying full price for coverage, reviewing all available options before enrolling can make a big difference.

Comment “HEALTH” if you’d like help understanding what options may be available.

06/11/2026

🇺🇸 Michigan Self-Employed?

Are you paying too much for health insurance - or putting off coverage because of the cost?

Many Michigan business owners, contractors, truck drivers, realtors, and freelancers are surprised to learn they may have options beyond what they see online.

💡 Lower deductibles
💡 PPO network options
💡 Coverage for individuals & families

Comment "MICHIGAN" below and I'll send you a free quote comparison to see what's available in your area.

👇 What do you currently pay for health insurance each month?

06/10/2026

💡 Health Insurance 101: What’s a Deductible?

One of the most misunderstood parts of health insurance is the deductible.

Your deductible is the amount you pay for covered medical services before your insurance starts sharing the cost.

Example 👇

If your plan has a $2,000 deductible and you have a $3,000 medical bill:
➡️ You pay the first $2,000
➡️ Insurance helps cover the remaining eligible costs based on your plan.

A low premium doesn’t always mean a better plan — understanding the deductible can save you money long term.

Questions about deductibles or how they affect your monthly cost? Drop a comment below 👇

06/04/2026

📚 Health Insurance Basics: What Everyone Should Know

Choosing health insurance doesn't have to be complicated. Here are a few key terms that can help you understand your coverage:

✅ Premium – The amount you pay each month to keep your insurance active.

✅ Deductible – The amount you pay out of pocket before your insurance starts sharing costs.

✅ Copay – A fixed amount you pay for services like doctor visits or prescriptions.

✅ Out-of-Pocket Maximum – The most you'll pay in a year for covered medical expenses before your plan pays 100% of covered costs.

✅ Network – The doctors, hospitals, and providers your insurance works with. Staying in-network usually means lower costs.

💡 Remember: The cheapest plan isn't always the best value. It's important to look at the deductible, network, and overall coverage—not just the monthly premium.

06/01/2026

⭐ Client Success Story ⭐

"I own a small business and had been paying over $1000 per month for health insurance with a high deductible. I assumed that was just the cost of having coverage as a self-employed individual.

After reviewing my options with Ian, I learned there were private marketplace plans available that I didn't even know existed. We found a plan that better fit my family's needs, lowered our monthly premium, and gave us access to a broader network of doctors.

The process was simple, and for the first time I actually understood what I was paying for. I'm glad I took the time to explore my options."

Every situation is different, but this is why I encourage people to review their coverage regularly. You may have more options available than you realize.

If you're self-employed, paying a high premium, or simply want a second opinion on your coverage, feel free to reach out.

05/27/2026

🇺🇸 Wyoming Self-Employed Workers — are your health insurance rates getting out of control?

There are private health plans available with:
✅ PPO networks
✅ Lower deductibles
✅ Nationwide coverage
✅ Rates based on health, not just income

If you’re self-employed, 1099, own a small business, or work for yourself in Wyoming — comment “INFO” below and I’ll message you some options available in your area.

05/21/2026

Health insurance can be confusing, but understanding a few basics can make a huge difference when choosing the right plan for yourself or your family.

Here are a few important things to look at when comparing coverage 👇

• Monthly Premium - What you pay each month for the plan
• Deductible - What you pay before major coverage kicks in
• Out-of-Pocket Max - The most you could pay in a worst-case scenario
• Network - Which doctors and hospitals are included
• Coverage Type - PPOs typically offer more flexibility than HMO plans

A lower monthly premium doesn’t always mean better coverage - and the cheapest plan can sometimes end up costing more when you actually need care.

The best health insurance plan is the one that fits your budget, lifestyle, and medical needs.

If you ever have questions about coverage or want help understanding your options, feel free to message me 👍

05/19/2026

Happy to help!

Love helping my clients find plans that they didn’t know were an option originally. I Helped Justin find an affordable plan with nation wide coverage.

05/19/2026

Private Health Insurance Plans

If you’re self-employed or don’t qualify for group coverage, private marketplace plans can offer flexible, year-round options tailored to your needs.

✔ Custom coverage choices
✔ PPO & network flexibility options
✔ Plans designed for individuals & families—not just employers

Not sure what you qualify for? A quick review can help you see what’s actually available in your area.

Drop a 👍 if you want info or comment “OPTIONS” and I’ll point you in the right direction.

05/18/2026

Many people don’t realize there’s a difference between ACA Marketplace plans and private health coverage options.

ACA Plans:
• Guaranteed approval
• Subsidies based on income
• Often higher deductibles and smaller networks

Private Plans:
• Typically for healthier individuals/families
• Often offer broader PPO networks and lower deductibles
• Can be a better fit for self-employed or higher-income families who don’t qualify for subsidies

The best plan depends on your specific situation there’s no one-size-fits-all approach.

If you want help understanding your options, feel free to message me 👍