Solo-founder ACA plans, small-team group health, and HSA-compatible options that respect your runway. Free advisor consultation. No fee to you.
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We found a plan that saved us $400/mo!
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Best for solo-founders. $0 copay.
PPO networks for national teams.
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YC - Techstars - Antler
Different stages, different coverage. Toggle between solo founder and small team to see the plans we shop for each.
Building on savings or credit. ACA subsidies typically take you to $0-$80/mo. We file your subsidy paperwork.
Post-raise, paying yourself a small salary. ACA still wins for most, with HSA stacking on top.
Covering a spouse or kids. Family ACA + pediatric dental/vision bundled into one monthly payment.
Four plan types we shop for every founder. Pick the one that matches your stage - we'll compare 200+ options in your state.
You're not a Fortune 500 employee. You're not a household with two W-2s. You're a founder - maybe pre-revenue, maybe paying yourself a haircut, maybe staring at 14 months of runway wondering if you can afford to get sick.
We get it. Your advisor has placed coverage for solo bootstrappers, seed-stage CEOs, and 8-person Series A teams. The plan they recommend will fit the cash you actually have - not the cash a salaried 1099-laden insurance website assumes you have.
Health coverage shouldn't be the thing that kills your startup. It's our job to make sure it isn't.
Built for founder velocity. From first form to fully enrolled in under 48 hours.
A two-minute form. Stage, headcount, state, and a few coverage preferences. No pitch deck required.
Your dedicated advisor shops every ACA, group SHOP, HDHP, and 1099-friendly plan that fits - and surfaces the top three.
Pick the plan. We handle paperwork, payroll setup, and renewals. Most founders are fully covered within 48 hours.
Illustrative examples of how coverage plays out for founders, from solo bootstrappers to seed-stage teams.
^247"An illustrative example: a pre-seed founder taking no salary could see ACA subsidies bring a premium into the double digits, with coverage active within a few days once enrollment paperwork clears."
AishaIllustrative example - solo technical founder, pre-seedSan Francisco, CA
^189"An illustrative example: a two-person founding team hiring their third employee can often move from individual ACA to group SHOP with no coverage gap and a lower per-person cost than expected."
CarlosIllustrative example - co-founder, seed-stage teamAustin, TX
^156"An illustrative example: a solo indie hacker with modest recurring revenue pairs an HDHP with an HSA so the premium stays low and HSA contributions reduce self-employment taxable income."
DanielIllustrative example - indie hacker, solo founderBrooklyn, NY
These are illustrative examples for common founder scenarios, not verified customer testimonials. Individual results, eligibility, and pricing vary and are not guaranteed.
A few quick questions. A licensed Founder Coverage advisor or one of our marketing partners will reach out with plan options that match your needs.
We'll tailor your options based on who needs coverage.
Vote up the questions you want answered. We update these every quarter based on what founders ask most.
Almost always yes. ACA premium tax credits are based on your projected Modified Adjusted Gross Income (MAGI). If you're paying yourself nothing or a small founder draw, you'll usually qualify for substantial subsidies - many pre-seed founders land at $0-$80/mo. Your advisor will run the subsidy math before you enroll.
The moment you hire your first W-2 employee, Group SHOP becomes available. For most teams of 2-10, the math favors SHOP because the employer contribution is tax-deductible and pre-tax for employees. We'll model both paths side-by-side before you switch.
An HDHP + HSA combo is one of the strongest tax wedges available to founders. Contributions are pre-tax (or deductible if 1099), the balance grows tax-free, and qualified medical withdrawals are tax-free. Founders with low current income but expected upside especially benefit from front-loading HSA contributions early.
Yes, if your co-founder is a W-2 employee of the company. If both founders are equity-only with no W-2, you'll each enroll in individual ACA. Once one of you is on payroll, you unlock Group SHOP for both.
Every ACA-compliant plan we shop includes mental health and substance-use coverage as essential health benefits - therapy, psychiatry, telehealth, and prescriptions. We surface networks with strong virtual mental health options like Talkspace, BetterHelp partnerships, and modern carriers like Oscar.
On Group SHOP you can offer family coverage and decide how much the company contributes vs. the employee. Most early-stage teams contribute 50-100% of employee premium and 0-50% of dependent premium - we'll help you set a competitive baseline that fits your burn.
Equity-only founders typically use individual ACA plans (often subsidy-eligible if total household income is low) or are added to a spouse's plan. Once the company raises and starts paying salaries, you can roll onto the company's Group SHOP plan.
Yes - many of our founders come through YC, Techstars, On Deck, and accelerator networks. We're familiar with the funding-pause coverage gaps that hit between cohorts, demo day, and term sheet close, and we time enrollments around them.
Long-form guides written by licensed advisors. No jargon, all founder context.
The complete map: ACA vs. SHOP vs. HSA, by stage and headcount. 20-minute read.
Read guide ->The exact tipping point - by team size, salary, and state. With a calculator.
Read guide ->Why founders should max their HSA before maxing their 401(k). The triple-tax math.
Read guide ->
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