Cost guides · 2026
Health Insurance Cost for Franchise Owners and Self-Employed Operators
Quick answer
Most single-owner franchisees and independent operators pay between roughly $300 and $700 per month for a private group PPO plan, versus $600–$1,200 for an unsubsidized ACA Marketplace plan and $1,000–$1,800 for COBRA. Your exact rate depends on age, household size, state, and the deductible tier you pick.
Key facts
- Private group PPO runs up to 50% less than an unsubsidized ACA Marketplace plan
- Fixed-benefit indemnity plans run up to 75% less than a COBRA continuation policy
- COBRA is the full employer premium plus a 2% administrative fee — nothing is subsidized
- Four group deductible tiers ($500 / $750 / $1,000 / $1,500) let you tune the premium
- Self-employed health premiums are generally tax-deductible — confirm with your CPA
- Quotes are free, take a few minutes, and are available in all 50 states
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