Built around your business.
Not somebody's product.
Individual coverage, genuine PPO access, small-group opportunities, tax-advantaged structures, most self-employed professionals have never had a single one of them properly explained. That's what ProtectHealth does.
Premiums and deductibles are the beginning of the conversation, not the end of it.
Age, household income, tax-credit eligibility, provider networks, prescriptions, and total financial exposure decide what "good coverage" actually looks like. Two Realtors at the same brokerage paying the same premium can end up with completely different coverage quality, because the premium is the only number the comparison screen shows and it is the least informative one.
Four paths. One of them fits.
Which doors are open depends on how your business is structured. That's exactly what the conversation figures out.
Individual Coverage, Done Right
Marketplace plans with the subsidy math actually run, net self-employment income, tax credits, and the deduction most 1099s never claim.
Genuine PPO Access
Real PPO options with real networks, checked against your actual doctors before anything gets signed.
Small-Group Opportunities
Some business setups unlock group coverage most self-employed people assume they can't have.
Tax-Advantaged Structures
ICHRA and Section 105 arrangements, available only where the business has an employee who is not the owner or the owner's spouse. Eligibility turns on entity type, which is the whole point of the conversation.
Not every option fits every person. That's the point of having a strategy.
Your income closes in escrow. Your insurance thinks you get a paycheck.
Here's the thing about being self-employed in Las Vegas. Your income doesn't show up in tidy biweekly deposits. It shows up when a deal closes, when a client pays, when a busy season hits. Three closings in March, nothing in April, and somewhere in the middle of that you're supposed to guess what you'll earn this year, because that guess is exactly what Nevada Health Link uses to calculate your premium tax credit.
Guess low and you pay some of that credit back at tax time. Guess high and you leave money on the table every single month. Most agents and contractors we sit down with have never had anyone walk them through what income actually counts, or the fact that the math runs on your net self-employment income after expenses, not the gross number on your 1099. We wrote a whole plain-English breakdown of how the premium tax credit really works because we got tired of watching people overpay for coverage they could have gotten help with.
Then there's the deduction almost nobody claims correctly. The self-employed health insurance deduction comes off income on Schedule 1 of Form 1040, and it covers medical, dental, vision and qualified long-term care premiums for you, a spouse and dependents. The catch that disqualifies people quietly: it is unavailable for any month you were eligible to participate in a subsidized plan through your own employer or a spouse's employer. Eligible, not enrolled. The IRS instructions for Form 7206 spell out when the form is required, and we wrote the plain version in is self-employed health insurance tax deductible. We are insurance nerds, not tax professionals, so the final word belongs to yours.
And the structures. ICHRA and Section 105 arrangements are real and federally recognized, and they are also the most oversold thing in this category. The disqualifier that catches most solo operators is simple: an ICHRA requires at least one employee who is not a self-employed owner or that owner's spouse, which the HealthCare.gov employer guidance states directly. If you have never heard these words before, start with the plain-English ICHRA guide. If you are an S-corp owner, that answer has fine print worth reading before anyone sells you anything, because a shareholder above 2 percent is treated like a partner rather than an employee for fringe benefit purposes.
One date on this calendar gets misreported constantly. Nevada open enrollment runs November 1 through January 15, and the December 15 deadline in the national headlines is the federal platform's, not Nevada's. December 31 still matters, but it does a different job than most people think: select a plan by December 31 and coverage starts January 1, enroll between January 1 and January 15 and coverage starts February 1. So if you want to be covered on the first day of the year, December 31 is your deadline. Verification is stricter too, and a single unfiled tax year can now block the subsidy entirely. The full list is on the 2027 ACA changes page, and the calendar itself is in when is open enrollment in Nevada.
One more thing, because this is Las Vegas and this industry has its share of characters. Any broker you talk to, us included, should be verifiable through the Nevada Division of Insurance. Look us up. We'll wait.
"The product should serve the strategy, not become the strategy."
Self-employed Nevadans have had this conversation
G I had an excellent experience with Robert and Jeff at ProtectHealth Insurance Agency. They are incredibly knowledgeable, and they took the time to understand my specific insurance needs. I was shopping around for coverage for my family and had called multiple places, but I could never get a straight answer. No one was willing to walk me through the process or explain how everything worked, and I felt completely lost. Thankfully, I came across ProtectHealth, and they were amazing. Robert took the time to go over everything in detail and patiently answered all of my questions. I feel very fortunate to have found these guys and highly recommend ProtectHealth to anyone looking for personalized, reliable insurance guidance
G My Healthcare Agent, Curtis McCall is an expert when it comes to the healthcare business, I know this from my personal experiences a few years ago and me and my family were in the market for other health/dental insurances and Mr. McCall truly helped us navigate our Healthcare needs. I really appreciate Mr. McCall for his help and due diligence in helping us with this process. Mr. McCall is just a call/text away, and he offers Zoom consultations when requested. Excellent service!
G Yvette is an amazing, wonderful, kind person. I was new to Nevada and the health care here , she took her time to explain things so I could really understand and was always available no matter the time or day. She also helped me to resolve an issue I was having with the pharmacy and insurance . We were on the phone for a while trying to sort things out and she never seemed bothered. She’s truly amazing .
G I had such a great experience with Pamela Noyes she is very kind, knowledgeable and very very helpful and she goes above and beyond to make time to speak with you and explains everything and just makes sure you understand the whole process! She’s so amazing and you guys have a great great employee, please take care of her, she’s golden! Thank you Pam for all you do! You are so appreciated!
G Janet is one of the most amazing persons you will meet. She genuinly cares about what ever issue you bring to her. She will always smile and tell you that she will take care of everything, and makes sure my issues or concers are allways address on time. Now she is my to go person. her attitude is very positive and uplifting. I truly appreciate her!!!!
G Stephanie was amazing! Super knowledgeable and able to transfer her wealth of knowledge effectively (and without making me feel like an idiot, which admittedly I was when it came to these new/uncharted waters). Very much appreciate her assistance in getting us sorted!
After the death of my son and watching an insurance company go bankrupt right in the middle of the year, Janet was a trooper and helped me and my wife fine the right insurance company for our needs!! Thank you very much
G Lawanda did amazing! after fighting to get insurance on my own, a quick call to her got me insurance in less than 30 minutes!!! She's my hero. Quick, Dependable, Friendly and Efficient. I'm so happy i reached out.
G Brian Paradis is the best! I’ve have worked with him 2 years now and he’s always listened to what I need and can afford for my health insurance. I appreciate a Health Agent that listens to me and helps me with my options! Thank you!
G Thank you, Jeff Barton and ProtectHealth! Felt like family with the best service! Helped us navigate through - making it as easy as possible. The VERY best!
G I had an excellent experience with Robert and Jeff at ProtectHealth Insurance Agency. They are incredibly knowledgeable, and they took the time to understand my specific insurance needs. I was shopping around for coverage for my family and had called multiple places, but I could never get a straight answer. No one was willing to walk me through the process or explain how everything worked, and I felt completely lost. Thankfully, I came across ProtectHealth, and they were amazing. Robert took the time to go over everything in detail and patiently answered all of my questions. I feel very fortunate to have found these guys and highly recommend ProtectHealth to anyone looking for personalized, reliable insurance guidance
G My Healthcare Agent, Curtis McCall is an expert when it comes to the healthcare business, I know this from my personal experiences a few years ago and me and my family were in the market for other health/dental insurances and Mr. McCall truly helped us navigate our Healthcare needs. I really appreciate Mr. McCall for his help and due diligence in helping us with this process. Mr. McCall is just a call/text away, and he offers Zoom consultations when requested. Excellent service!
G Yvette is an amazing, wonderful, kind person. I was new to Nevada and the health care here , she took her time to explain things so I could really understand and was always available no matter the time or day. She also helped me to resolve an issue I was having with the pharmacy and insurance . We were on the phone for a while trying to sort things out and she never seemed bothered. She’s truly amazing .
G I had such a great experience with Pamela Noyes she is very kind, knowledgeable and very very helpful and she goes above and beyond to make time to speak with you and explains everything and just makes sure you understand the whole process! She’s so amazing and you guys have a great great employee, please take care of her, she’s golden! Thank you Pam for all you do! You are so appreciated!
G Janet is one of the most amazing persons you will meet. She genuinly cares about what ever issue you bring to her. She will always smile and tell you that she will take care of everything, and makes sure my issues or concers are allways address on time. Now she is my to go person. her attitude is very positive and uplifting. I truly appreciate her!!!!
G Stephanie was amazing! Super knowledgeable and able to transfer her wealth of knowledge effectively (and without making me feel like an idiot, which admittedly I was when it came to these new/uncharted waters). Very much appreciate her assistance in getting us sorted!
After the death of my son and watching an insurance company go bankrupt right in the middle of the year, Janet was a trooper and helped me and my wife fine the right insurance company for our needs!! Thank you very much
G Lawanda did amazing! after fighting to get insurance on my own, a quick call to her got me insurance in less than 30 minutes!!! She's my hero. Quick, Dependable, Friendly and Efficient. I'm so happy i reached out.
G Brian Paradis is the best! I’ve have worked with him 2 years now and he’s always listened to what I need and can afford for my health insurance. I appreciate a Health Agent that listens to me and helps me with my options! Thank you!
G Thank you, Jeff Barton and ProtectHealth! Felt like family with the best service! Helped us navigate through - making it as easy as possible. The VERY best!
G My partner and I have been in the capable hands of Lisa Drake for a few years now. She's very knowledgable, helpful, and proactive. Highly recommended.
G Lorraine Castillo is the best insurance agent, I use her for all my personal and real estate clients insurance policies. She is the only agent I trust in Nevada.
G Jeff is so thorough and easy to work with. I'm happy to have an agent who goes above and beyond to make sure my questions are answered. Thanks for always following up and checking in!
G Brian was amazing and took the time to walk me through everything step by step and answer any questions I had.
G Tammy did an excellent job as usual. She always goes out of her way and spends time with us so we understand the details.
G Great personal service. I can’t say enough about Pam N., she is fantastic!
G Christopher helped me find the best plan to meet my needs. He is very easy to work with and I would recommend him to other people!
G Lorraine Castillo was my agent, very professional and detailed. Great Agent, I will be recommending her services.
G What can I say the help and dedication is above and beyond and the staff have actual compassion and understanding for my needs and situations.
G Protect Health was very professional and helpful, especially Michelle Brunson, top notch agent!!!
G My partner and I have been in the capable hands of Lisa Drake for a few years now. She's very knowledgable, helpful, and proactive. Highly recommended.
G Lorraine Castillo is the best insurance agent, I use her for all my personal and real estate clients insurance policies. She is the only agent I trust in Nevada.
G Jeff is so thorough and easy to work with. I'm happy to have an agent who goes above and beyond to make sure my questions are answered. Thanks for always following up and checking in!
G Brian was amazing and took the time to walk me through everything step by step and answer any questions I had.
G Tammy did an excellent job as usual. She always goes out of her way and spends time with us so we understand the details.
G Great personal service. I can’t say enough about Pam N., she is fantastic!
G Christopher helped me find the best plan to meet my needs. He is very easy to work with and I would recommend him to other people!
G Lorraine Castillo was my agent, very professional and detailed. Great Agent, I will be recommending her services.
G What can I say the help and dedication is above and beyond and the staff have actual compassion and understanding for my needs and situations.
G Protect Health was very professional and helpful, especially Michelle Brunson, top notch agent!!!
Real reviews, word for word, from ProtectHealth's Google listing. Read all 703+ on Google.
20 minutes, start to clarity
Tell us your situation
Two minutes on the form below, how you work, how the business is set up, what you have now.
The strategy conversation
Structure, doctors, prescriptions, subsidy math, total exposure. Which doors are open for you, which aren't, and why.
Walk away with the map
Zero dollars, zero obligation. If what you already have is right, ProtectHealth tells you that too. When tax structure enters the picture, a licensed tax professional joins the conversation. We're insurance nerds, not tax professionals.
What actually happens in those 20 minutes
No slideshow. No script. Someone from the team, all six of us are licensed here in Nevada and based off West Charleston, asks how your business is set up and what your year actually looks like. Sole proprietor, LLC, S-corp, or "my CPA handles it and I sign things." All normal answers.
Then we check the things that decide whether coverage is good or just cheap. Which doctors you'd hate to lose. What prescriptions you fill every month. Whether your income qualifies you for help through the marketplace, and whether the way you file taxes opens any of the doors above. If you're a Realtor, we'll probably talk about what happens in a year where you close eight deals versus a year where you close twenty, because your coverage has to survive both. Our Realtor coverage guide covers the version of this conversation we've had a few hundred times, and if you're driving for three apps or freelancing across state lines, the freelancer and gig worker breakdown is the better read.
Sometimes the answer is that what you already have is right. We say that out loud when it's true. It costs us the sale and it's still the right answer, because you'll remember who told you the truth, and Las Vegas is a small town wearing a big city's clothes.
Which door is actually open to you?
Most pages like this list options. Very few tell you what rules you out. Here is the disqualifier for each path, which is usually the faster way to find your answer.
| Path | Works when | Ruled out when |
|---|---|---|
| Individual plan Nevada Health Link | Almost always available. Premium tax credits run on net income after business expenses, not gross revenue. | Never fully ruled out, but credits shrink or disappear when an affordable employer offer exists in the household. |
| Spouse's employer plan One phone call | A spouse has employer coverage and the family tier prices better than an unsubsidized individual plan. | No spouse with an offer. Note that eligibility for that plan also blocks the self-employed deduction for those months. |
| Nevada Medicaid Year-round enrollment | Household income qualifies. Nevada expanded Medicaid, so there is no seasonal window and a lean quarter counts. | Income above the threshold. Worth re-checking whenever a slow stretch hits rather than assuming. |
| Small-group plan Requires staff | The business has eligible W-2 employees beyond the owner. | Solo operation. There is no group of one, regardless of what anyone selling one claims. |
| ICHRA or QSEHRA Requires staff | At least one employee who is not the owner or the owner's spouse. | Solo operation. Also blocked for S-corp shareholders above 2 percent, who are treated as partners for fringe benefits. |
Three of these five require employees. If you work alone, the real conversation is about the first three, and anyone steering a solo operator toward an ICHRA is selling a setup fee. The full map is in health insurance options for self-employed Nevadans.
Frequently Asked Questions
Does every self-employed person qualify for an ICHRA or Section 105 arrangement?
No. Eligibility for tax-advantaged health-benefit structures depends on business structure, income, and household situation. A ProtectHealth strategy conversation maps which options actually fit a specific situation.
Is a ProtectHealth strategy conversation a sales appointment?
No. The 20-minute conversation walks through business structure, household needs, and available options, individual coverage, PPO access, small-group opportunities, or tax-advantaged structures. If existing coverage is already right, ProtectHealth says so.
Why does ProtectHealth recommend talking to a tax professional?
ProtectHealth brokers are insurance professionals, not tax professionals. When business or tax structure becomes part of the discussion, a brief conversation with a licensed tax professional is the responsible next step.
What should a Realtor bring to a strategy conversation?
A rough idea of household income, current plan details if coverage exists, and how the business is structured, sole proprietor, LLC, or S-corp. Not sure about structure is a fine answer; that is part of the conversation.
Does ProtectHealth only work with Realtors?
No. ProtectHealth works with Realtors, 1099 contractors, freelancers, and self-employed professionals across Nevada, plus small businesses building employee benefits.
Book your strategy conversation
Walk away knowing which options fit your structure, which don't, and what questions to ask next.
Tell us about your situation
4.9 · 703+ Google reviewsYou're booked. Quick heads-up on how we work: this is a strategy conversation, not a sales appointment. Have a rough idea of your household income and current plan details handy if you can.
Read your way in
Every guide and answer below was written for Realtors, 1099s, and the self-employed. Start anywhere, the strategy will make sense by the end.
Start HereHealth Insurance For Freelancers And Gig Workers: 4 Paths Nobody ExplainsRead The Guide →
Start HereHealth Insurance Options For Self-Employed Nevadans: The Full MapRead The Guide →
Start HereHealth Insurance For Realtors: The Coverage Guide Nobody Hands New AgentsRead The Guide →
Start HereWhat Is An ICHRA? The Plain-English Guide For 2026Read The Guide →
Go DeeperICHRA vs. Marketplace Coverage: Which Fits Your Situation?Read The Guide →
Go DeeperTax-Advantaged Health Benefits For The Self-Employed, ComparedRead The Guide →