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The IRS expanded self-employed health insurance deduction rules for 2026, giving 1099 workers more flexibility to deduct premiums for ACA, supplemental, and gap plans. Here's what changed and how to take full advantage before year-end.
Individual Coverage HRAs (ICHRAs) let small business owners reimburse employees for individual health plans tax-free — no group plan required. We break down how 1099 contractors and small teams can use ICHRAs to build a smarter benefits strategy.
Going from contractor to W-2 employee sounds like a safety net — but the math often surprises people. From lost deductions to reduced flexibility, we walk through the real financial trade-offs before you make the switch.
Brilliant Insurance is proudly based in Plano, serving independent contractors, small business owners, and 1099 workers. Apply online 24/7, or reach out to our local team for specialized enrollment support.
Address
6009 W Parker Rd. Ste. 149-1101, Plano, TX 75093
Phone
(972) 750-3031Licensed
NPN 18037219 · Texas
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Texas-licensed · NPN 18037219 · Plano, TX