ACA Pays the Hospital. This Pays You.
Your ACA medical plan covers the ER visit, the orthopedic surgeon, and the rehab - but it doesn't pay your mortgage while you can't climb a ladder. Foundation Health pairs ACA medical with accident, hospital indemnity, and short-term disability policies sized for inspection-business reality: cash benefits paid directly to you, typically within two weeks of a claim.
The supplemental layers that fit inspection work
Accident insurance ($22 - $45/mo)
Cash benefits for falls, fractures, lacerations, concussions, ER visits, ambulance, follow-up physical therapy. Pays on top of whatever your ACA plan pays. The category most inspectors should carry first.
Hospital indemnity ($25 - $60/mo)
Fixed daily benefit ($100 - $500/day) for every hospital admission night. Higher tiers for ICU. Designed to absorb the deductible cliff on HDHP ACA plans.
Short-term disability ($45 - $95/mo)
Replaces 60-70% of your inspection income for 3-24 months if illness or injury keeps you from climbing. Essential for solo 1099 inspectors with no W-2 paid sick leave.
Critical illness ($25 - $48/mo for $25K)
Lump-sum cash benefit on first diagnosis of cancer, heart attack, stroke, or organ failure. Use it for anything - deductibles, home care, a temp inspector to cover your route.
Who needs supplemental?
- Solo 1099 inspectors with no W-2 backup income
- Inspectors carrying a high-deductible ACA plan ($3,000+ deductible)
- Households where one inspector is sole earner
- Inspectors in specialty trades with higher exposure (mold, radon, sewer-scope)
- Any inspector whose savings wouldn't cover 3 months of bills
Illustrative inspector cost ranges
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