Two markets for the self-employed
Subsidy-eligible after business expenses → HealthCare.gov. Above the subsidy line and healthy → private PPO on Cigna, Aetna and PHCS PPO, priced on your health rather than your income. Serious condition → marketplace regardless.
The deduction
West Virginia has a progressive state income tax, so the self-employed health premium deduction helps at both the federal and state level. Self-employed people deduct 100% of premiums above the line on either kind of plan, and can stack HSA contributions on an HSA-eligible plan.
Who we see most in West Virginia
Realtors, contractors, consultants, drivers, salon owners, and anyone running a business from Charleston, Huntington, Morgantown and across the state. West Virginia's marketplace has very few carriers, so many people see only one or two plan families on HealthCare.gov — which is why a national PPO is the thing buyers ask about first.