Family Coverage Built Around an Inspector's Schedule C
Most inspector household coverage gets quoted off W-2 worksheets that ignore deductions. We rebuild the math on your actual 1040 — including Schedule C net income — so the family subsidy reflects what you really take home. Spouse and kids on the same plan, priced for the way inspection businesses actually earn.
What inspector family plans cover
Maternity and newborn
All ACA family plans cover prenatal care, hospital delivery, and newborn care. Prenatal vitamins and screenings at $0 cost-share.
Pediatric care + pediatric dental & vision
ACA essential benefit — included on every family plan by default, no extra premium.
Family deductible options
Aggregate vs. embedded family deductible — we'll explain both and pick the one that fits your usage pattern (concentrated vs. spread across multiple family members).
Mental health and family therapy
Parity with physical health, including telehealth therapy for kids and teens.
Rx for the whole household
Generic and brand-name tiers, formulary checked against everyone's current meds before enrollment.
Inspector family cost ranges
Subsidies factor in the self-employed health insurance deduction against projected Schedule C net income, including both inspector spouses if both are 1099.
Dual-1099 households (inspector + contractor spouse)
If both you and your spouse run independent trades, the household income calculation gets more interesting — and the family subsidy usually gets better. We model both Schedule Cs together and pick the carrier that handles dual-1099 enrollment without flagging the application.
Get a free quote built around your inspection business.
Two minutes. No SSN. A licensed advisor who quotes inspectors emails your options within one business hour.