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The week's question
In December 2024, in the thread "Re: BRK: Why Not XOM?", BreckHutHigh asked the members: "What about the long road trips with kids?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Author: Dope1 ⎊  😊 😞
Number: of 84362 
Subject: Re: The Affordability Tour Kicks Off
Date: 12/11/25 2:45 PM
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I am an independent contractor, do operate under my own LLC, and need to get insurance on the open market.

As far as I know having an LLC does not get me into any group coverage, but I'm all ears.

Thanks for the answer. I had thought there was some way for business owners to incorporate themselves and get access to small business health care collectives:

https://smallbusiness.uhc.com/?cid=utm_source=EI_A...

Healthcare.gov says
healthcare.gov - Small businesses

The Small Business Health Care Tax Credit
You may qualify for the Small Business Health Care Tax Credit that could be worth up to 50% of the costs you pay for your employees' premiums (35% for non-profit employers).
You may qualify for savings
Enrolling in a Small Business Health Options Program (SHOP) plan is generally the only way for a small business or non-profit to claim the Small Business Health Care Tax Credit. To qualify for the tax credit, all of the following must apply:
You have fewer than 25 full-time equivalent (FTE) employees
Your average employee salary is about $65,000 per year or less
You pay at least 50% of your full-time employees' premium costs
You offer SHOP coverage to all of your full-time employees. (You don't have to offer it to dependents or employees working fewer than 30 hours per week to qualify for the tax credit.)

Are you in this bucket? (If you don't mind answering)
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This community has written 84,309 posts about US Policy. The article-length ones it recommended most:
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