Accident & Income Supplement
Your ACA medical pays the hospital. This pays you. Designed for inspectors whose income stops the second they can't climb — accident benefits, hospital indemnity, and short-term disability sized for 1099 reality.
Plans from
$42/mo
Final price depends on age, ZIP, household, and ACA subsidy eligibility.
What's covered
Five things every plan in this track includes.
- Accident cash benefits (falls, lacerations, fractures)
- Hospital indemnity per night
- Short-term disability for lost inspection days
- ER and ambulance riders
- Critical illness lump sum
Who it fits
Built for these inspectors.
- Solo 1099 inspectors with no W-2 backup income
- Inspectors carrying a high-deductible ACA plan
- Households where one inspector is sole earner
Inspectors on this track
Solo inspector · roof injury claim
"Check arrived in 11 days. Kept the mortgage paid while I healed."
Sole earner · 3 kids
"Cheap enough I stopped putting it off. Glad I didn't wait."
HDHP carrier · Tampa
"Pairs with my high-deductible plan exactly the way they said it would."
This premium may be deductible.
Self-employed inspectors typically deduct health insurance premiums on Schedule 1, line 17 — directly reducing AGI. We walk you through the math during enrollment.
Read the Schedule C guideOther coverage tracks
Solo Inspector Coverage
ACA marketplace plans for self-employed home inspectors.
View trackFamily Coverage for Inspectors
Spouse + kids covered, priced for households on Schedule C income.
View trackFranchise Inspector Group Plans
ICHRA and level-funded options for franchise offices with 2–25 inspectors.
View trackReady to see your accident & income supplement options?
A licensed Foundation Health advisor sends ranked plans within 24 hours — built around your route, your ZIP, and your Schedule C.
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