Thorn Allison

10/29/2026

**Business owners: if you buy your own health insurance, 2027 is about to hit your family hard.**

Marketplace insurers are proposing a median premium increase of about 15% for 2027.

That's on top of the big jump in 2026.

If your household earns too much to qualify for a subsidy, you pay every dollar of that increase yourself.

For a family of four in 2027, the subsidy cutoff is $132,000 a year. Many business owners are over it.

Here's what that looks like for an average family of four with two 40-year-old parents and two kids, earning over $132,000:

2025: about $1,589 a month
2026: about $1,998 a month
2027: about $2,298 a month (estimated)

That's roughly $8,500 more a year than two years ago for the same type of coverage.

Open enrollment is also shorter this year. In most states, it runs November 1 through December 15.

What a lot of business owners don't realize is that the Marketplace isn't the only option.

Private health plans work differently:

✅ You can apply any time of year, not just during open enrollment
✅ Your price is based on your family's ages and health history, not on a shrinking Marketplace risk pool
✅ Nationwide PPO network
✅ Guaranteed renewable to age 65, with no yearly re-enrollment

Private plans aren't the right fit for every family. That's why we compare both sides. We write Marketplace and private coverage, so you see what actually works for your budget before you renew.

Get your free family comparison here:
https://www.modernhealthcareplans-thorn.com/get-a-quote

Smarter Solutions, Healthier Futures.

*Figures use KFF national average benchmark silver premiums with no subsidy. The 2027 figure is estimated from proposed rate increases. The income cutoff is 400% of the 2026 federal poverty guideline for the lower 48 states. Your rates will vary by state and plan.*

10/14/2026

Open enrollment starts November 1. Here’s something most people don’t know.

The marketplace only lets you sign up during open enrollment (or after a qualifying life event). Miss the window and you could be waiting a full year.

But the marketplace isn’t the only option.

Private health plans work differently:
✅ You can apply any time of year, not just during open enrollment
✅ Many use nationwide PPO networks, so you’re not locked into a local HMO
✅ Some are guaranteed renewable to age 65, meaning no re-shopping every fall

These plans tend to make the most sense for people who earn too much to get a marketplace subsidy and are paying full price anyway. Think self-employed folks, contractors, small business owners, and W-2 earners whose employer plan doesn’t fit their family.

Private plans do ask health questions, so they’re not the right fit for everyone. That’s exactly why it’s worth comparing both sides before you lock in for 2027.

👉 See what you qualify for: https://www.modernhealthcareplans-thorn.com/get-a-quote

Questions about how private and marketplace plans compare? Drop them in the comments.

Modern Healthcare Plans of America offers a wide range of healthcare services nationwide. From health insurance and wellness programs to chronic disease management and telemedicine services, we're here to support your health and well-being.

09/24/2026

When somebody tells me what they’re paying every month for health insurance… and then tells me they STILL have a huge deductible 😳

Me: “Say less. Let me cook.” 😂🔥

A lot of self-employed individuals and families are paying full price for health insurance simply because nobody ever showed them what other options may be available.

That’s what I do at Modern Healthcare Plans of America.

I can compare what you currently have with private health insurance options and show you whether there may be an opportunity to:

✅ Lower your monthly premium
✅ Reduce or avoid a large deductible in many cases
✅ Get coverage that may work better when you actually use it
✅ Keep more of your money every month

You don’t have to switch anything. Just let me run the numbers.

If what you have is better, I’ll tell you.

If I can show you something that makes more sense, then we’ll talk.

🔥 Comment “COOK” below or book a quick call with me and let me take a look at yours or take a few minutes to fill out my intake form.

https://www.modernhealthcareplans-thorn.com/get-a-quote

09/21/2026

I narrow it down. You decide. Every time.

Here is what actually lands in your inbox before you sign anything.

A short list. Three options at most, not the whole shelf, because a wall of plans is not help. The ones that came through the filter and actually fit your situation.

Plain language on each one. What it pays, what it does not, in words you can repeat to your spouse when I am not in the room.

The carrier brochures themselves, with your quoted selections highlighted right on the page, so you can see I did not paraphrase anything in my favor.

And what each one will not cover. In writing. Before you decide, not after.

What I do not do: push one carrier because it pays better, hide the tradeoffs, or decide for you.

You should be able to explain your own plan to somebody else. If you cannot, I did not do my job. That is the standard I hold myself to, and it is why almost all of my business comes from people sending me their friends and family.

You pick. Not me.

Click the link below to find out what is available to you.

https://www.modernhealthcareplans-thorn.com/get-a-quote

Modern Healthcare Plans of America. Smarter Solutions, Healthier Futures.

09/19/2026

A family does not have to buy one plan.

Here is a situation I run into more than people would guess.

Dad had a heart attack a year and a half ago. On the private side, that is an automatic decline. So the family assumes their only move is a plan that takes everybody with no health questions, and they pay $1,656 a month for four people. Or they go to the marketplace, earn too much for help, and pay $1,766.

But only one person in that house has a heart attack in his history.

So we split it. Dad goes on a guaranteed acceptance plan. No health questions, no pre-existing condition exclusion, covered from day one, because that is what he actually needs. Mom and both kids answer the health questions, pass, and buy at the healthy price.

Two policies. Everybody covered where they need to be covered. $1,144 a month.

The family stops paying a knockout price on three people because of one person's history.

Be clear-eyed about it. This does not work for everyone. If you qualify for SoonerCare or a real subsidy, the marketplace is very likely your better deal and I will tell you that. Guaranteed acceptance solves getting in the door, not what care costs after that, so the deductible math matters. And the healthy members have to actually be healthy.

If you are earning above the subsidy line and one person's health history is pricing your whole family, this is worth an hour of your time.

Click the link below to find out what is available to you.

https://www.modernhealthcareplans-thorn.com/get-a-quote

Modern Healthcare Plans of America. Smarter Solutions, Healthier Futures.

09/18/2026

No physical. No blood draw. Just questions.

The single biggest thing that stops people from even getting quoted on the private side is a picture in their head of what medical underwriting involves. They imagine an exam, a needle, somebody digging through their records.

That is not what happens.

What you are asked: your height and weight, what medications you take, what conditions you have been treated for, any hospital stays or surgeries, and whether you use to***co. That is the shape of it.

What you are not asked: to take a physical, to give blood or urine, what you earn, or what your credit looks like. Income is a marketplace question. It has nothing to do with this side of the market.

Sometimes there is a short phone call, but only if underwriting runs into something unexpected. It is not a standard step and most people never have one.

Here is the part worth writing down. Answer honestly and completely, and your quote is your quote. The number moves later only if underwriting turns up something that was not disclosed. So tell me everything, including the thing you are hoping does not matter. It usually matters less than you think, and finding out on the front end is a whole lot better than finding out at claim time.

If the health questions are the reason you have not gotten a quote yet, that is a bad reason.

Click the link below to find out what is available to you.

https://www.modernhealthcareplans-thorn.com/get-a-quote

Modern Healthcare Plans of America. Smarter Solutions, Healthier Futures.

09/18/2026

Most agents run one quote. I run the whole shelf.

Here is what actually happens between the moment you send me your information and the moment you see a price.

I start with every carrier and every product I can write. Underwritten plans, guaranteed acceptance plans, indemnity, PPO, EPO, limited medical. Then I start taking things away.

Is the product even approved in your state. Are you W-2 or 1099, because some of these are self-employed only and you would be wasting your time. What is in your health history, and what does each carrier do with it. What are you taking, and does the plan cover it or does it need a workaround. What is your budget, and who in the house actually needs covering.

Most of that shelf gets eliminated. Not because I did not feel like quoting it, but because it does not fit you.

What you end up seeing is three options at most, ranked, with the tradeoffs written out.

The elimination is the work. You only ever see the finalists.

That is the part nobody sees and the part that takes the time. It is also the reason I will sometimes tell you the marketplace is your better deal and walk away from the sale. If I only ran one quote, I would never know that.

Click the link below to find out what is available to you.

https://www.modernhealthcareplans-thorn.com/get-a-quote

Modern Healthcare Plans of America. Smarter Solutions, Healthier Futures.

09/08/2026

Third one. Same setup, this time a family of four.

Two parents, both 35. Two kids. Oklahoma.

At $45,000 the whole household shows up eligible for SoonerCare.

At $85,000 a Silver plan runs $609 to $1,544 a month depending on the carrier.

At $135,000 the subsidy is gone and that same family is looking at $1,766 to $2,701.

Same four people. Same deductibles, $6,000 to $6,300 per person. Only the income changed.

Here is the part people miss. There is a private side of this market that does not ask your income. It never appears on healthcare.gov because those carriers do not list there. They sell through appointed brokers, so you will not see it unless somebody carrying it walks you through it.

Look at that high income column and you can see why this matters to self-employed families. Roofers, realtors, barbers, HVAC techs, anybody writing their own paycheck.

Be clear-eyed about it. These plans work differently. Most ask health questions. Some are limited benefit plans, not full coverage. They can fit a healthy family very well, and anyone who tells you they fit everyone is selling, not advising.

What you deserve is to see both shelves before you decide. That conversation is free, and if the marketplace is your better deal I will tell you straight.

Click the link below to find out what is available to you.

https://www.modernhealthcareplans-thorn.com/get-a-quote

Modern Healthcare Plans of America. Smarter Solutions, Healthier Futures.

09/04/2026

Honest question for the self-employed folks.

What is the one thing about health insurance that nobody has ever explained to you in plain English?

Not looking for a sale here. I will answer whatever comes up in the comments, and if it is a good one I will make a post out of it.

Deductibles, networks, what happens if you get sick mid-year, why the price jumped, why the guy on the phone would not give you a straight answer. Whatever has been sitting in the back of your head.

Ask it.

09/01/2026

Getting declined once does not mean you are uninsurable.

It means that one carrier, using that one set of health questions, said no.

A different carrier asks different questions. And guaranteed issue plans do not ask them at all.

Most people who get turned down never find that out, because they stop looking.

If somebody told you no, tell me who and what they asked. There is usually another door.

Click the link below to see whats available to you.

https://www.modernhealthcareplans-thorn.com/get-a-quote