For the 1099 pros who climb roofs, crawl crawlspaces, and write the report.
Foundation Health builds ACA plans around independent and franchise home inspectors — residential, commercial, mold, pest, and structural. Schedule C deductions handled. No pressure. No spam.
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Foundation Health is built for one specific person: the home inspector.
Not generic small-business owners. Not 9-to-5 W-2 employees. Inspectors — the ones writing 30-page reports at 9pm and chasing 1099 income across three counties.
ResidentialIndependent home inspectors
Pre-purchase, pre-listing, new construction phase inspections.
SpecialtyMold, air quality & pest specialists
Crawlspace work, environmental testing, WDI/WDO reports.
CommercialCommercial & franchise operators
Multi-family, retail, Pillar To Post, AmeriSpec, WIN, HouseMaster.
Why home inspectors need their own coverage.
Climbing ladders and roofs is real risk
Accident and injury coverage that recognizes inspection work isn't a desk job.
Crawlspaces expose you to mold and irritants
Plans with strong respiratory specialist networks and inhaler coverage.
1099 means no employer plan
But ACA subsidies are designed exactly for self-employed pros like you.
Schedule C deductions lower premium costs
Write off 100% of your premiums above the line. We'll walk you through it.
Inspection pros we cover.
Residential Home Inspectors
Pre-purchase and pre-listing inspections.
Commercial Property Inspectors
Multi-family, retail, and commercial buildings.
Mold & Air Quality Specialists
Environmental testing and remediation reports.
Pest & Termite Inspectors
WDI/WDO certified, real-estate transaction ready.
Structural & Foundation Specialists
Engineering reports and load-bearing assessments.
Three solid steps.
Tell us about your inspection business
Two minutes — household size, state, projected 1099 income, providers you want to keep.
We compare plans for 1099 inspectors
ACA marketplace, association group, and franchise options side-by-side with subsidy math.
Free advisor call within 24 hours
A licensed Foundation advisor walks the recommendation, answers Schedule C questions, and enrolls you when ready.
Stories from inspectors we've covered.
I'd been paying COBRA at $760/month because I didn't think a self-employed guy could get a real plan. Foundation ran my Schedule C numbers and got me onto a silver ACA plan at $264 after subsidy. The deduction itself saved me another $1,900 at tax time.
I've had asthma since a bad crawlspace job in 2021. My advisor picked a plan with the pulmonologist I already see in-network and a $25 inhaler copay. No one had ever cared enough to check before.
Three kids, wife on the plan, and I cover everyone for $612/month after the credit. With my old broker I was looking at $1,400. The whole call took 22 minutes.
Get a free quote.
Seven quick fields. No spam. A licensed advisor will contact you within 24 hours.
Inspector FAQs.
Most independent inspectors do best on an ACA marketplace plan. If your household income is between roughly $20K and $125K, you almost certainly qualify for premium tax credits that lower the monthly cost. A licensed Foundation advisor will run your exact numbers, factor in seasonality, and compare a silver-tier ACA plan against any franchise or association group option you have access to.
Yes — the self-employed health insurance deduction lets sole-proprietor and single-member-LLC inspectors deduct 100% of their premiums (and dependents') as an above-the-line adjustment on Form 1040. It's not a Schedule C line item directly, but it lowers your AGI and self-employment tax base. Bring your prior-year Schedule C income — we'll show you how the deduction interacts with your ACA subsidy.
Health insurance covers the medical side of a fall: ER visit, imaging, orthopedic surgery, rehab. It does not cover lost income while you recover. We routinely pair ACA medical with a short-term disability or accident indemnity policy specifically for inspectors who climb. Ask your advisor about the inspector accident bundle.
ACA marketplace plans cover diagnostic pulmonary testing, specialist visits, prescription inhalers, and any treatment for occupational respiratory issues. Pre-existing conditions cannot be excluded or surcharged. Choose a plan with a strong specialist and Rx tier if you've had prior exposure incidents.
Most inspection franchises don't sponsor health insurance — you're an independent operator, not a franchise employee. A few offer association group plans through ASHI, InterNACHI, or NAHI. We compare those side-by-side against the ACA marketplace; in 8 out of 10 cases the subsidized ACA plan wins on price.
Yes. ACA subsidies are based on projected annual household income, not month-to-month. If you over- or under-estimate, it's reconciled on your tax return. Our advisors help you project realistically — including slow winters and busy spring buying seasons — so you don't end up owing subsidy back at tax time.
Absolutely. You can cover your spouse and dependents on the same ACA plan, and the self-employed health insurance deduction applies to their premiums too. Family ACA plans for inspectors in our network average $480/month after subsidy for a family of four with $85K household income.
Once you have at least one common-law W-2 employee besides yourself, you qualify for small-group coverage and may also qualify for the Small Business Health Care Tax Credit. With 2-3 inspectors a SHOP plan is usually within $40/employee/month of individual ACA — and easier to bundle with dental and disability. We'll run both options.