Health Insurance
That Works as Hard as You Do
When you're self-employed, health insurance is on you. Health Trust Financial makes it simple.
You don't have to figure this out alone.
We guide you step-by-step so you can choose the right plan without confusion or pressure.
Why Dave Ramsey Recommends Us
Watch how we help self-employed Americans find the right coverage without overpaying.
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Save up to 50% on your health coverage
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Affordable options tailored to your situation
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Compare plans in just a few minutes
Here's Why Coverage Still Matters
If you’re running your own business or working for yourself, health coverage isn’t optional—it’s protection. One unexpected medical event can quickly turn into a serious financial setback. The right coverage helps you stay focused on your work, not worst-case scenarios.
- $7,470 Avg. individual plan per year
- $21,342 Avg. family plan per year
- Up to 50% Potential savings available
Real numbers. Real protection. The cost of going without coverage is often far higher than the cost of having it.
How Does Health Insurance Actually Work?
Health insurance can feel complicated—but it’s actually pretty simple once you understand the basics. Here’s how it works in real life:
1. Pick A Plan
During open enrollment or a qualifying life event.
2. Pay your premium
Monthly cost to keep your coverage active.
3. Use It
Insurance negotiates costs, you pay your deductible, then coinsurance kicks in
What Dave Ramsey Recommends
A smarter approach to managing health coverage when you’re self-employed
High-deductible health plans (HDHPs) are commonly recommended by Dave Ramsey and his team because they offer lower monthly premiums and allow you to open a Health Savings Account (HSA)—a tax-advantaged way to pay for care now or save and invest for the future. That said, if you or your family have more frequent medical needs, a PPO or HMO may be a better fit—so it’s important to compare your options and choose coverage that aligns with your specific situation.
We are the only company the Ramsey Team recommends to help you find health insurance.
What kind of coverage are you looking for?
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If your coverage recently changed, you’re not alone.
Most people don’t plan for this moment, but when it happens you need clear answers fast—so we make it simple to understand your options, compare plans, and get covered without the stress.
No matter what brought you here, you don’t have to figure this out alone.
- Lost employer coverage
- COBRA is ending (or too expensive)
- Recently became self-employed or freelance
- Turning 26 and aging off a parent’s plan
- Starting a family or experiencing a life change
Hear from our customers
He and his team made the entire thing so easy for me. Answered all my questions.
It was a quick and easy process.
While I did not make a purchase, I felt that I was informed as to my options. Never felt pressured.
He provided everything I needed to know, and made it super easy to get insurance, and it only took a few minutes. Also, I didn't have to worry about getting a ton of phone calls from different agents. My phone number and other contact info was kept confidential.
They answered the phone which was an unusual wonderful surprise for companies nowadays. They were genuinely searching for the best thing for my family, and explaining how the process and plans worked, very clearly. They seemed to actually care and showed kindness and compassion.
He was very knowledgeable and helped me with my insurance questions. He gave me several options and didn't push me to make a decision for coverage. He considered my financial situation and my current coverage. I would highly recommend him to my friends.
I was upset that my large global company gave me COBRA at $1750 a month. I was in shock...I went to Ramsey learned about insurance brokers and called. I cannot tell you how relived I was talking with him and his team. I was able to get affordable insurance and that means everything as a retiree not yet 65. Very grateful!