Insurance Questions? We Have Straight Answers.
Insurance is confusing — and that's by design. We're changing that. Here are honest, plain-English answers to the questions our clients ask most.
The things practitioners actually ask us.
Honest answers,
in plain language.
Insurance is intentionally confusing. Here are the questions we hear weekly from massage therapists, acupuncturists, and studio owners — answered with no jargon and no upsell.
Yes. Self-employed wellness practitioners filing a Schedule C can typically deduct 100% of their health, dental, and vision premiums as an above-the-line deduction on Form 1040 — provided you're not eligible for coverage through a spouse's employer. Your Renewal advisor will flag which plans maximize this deduction and which can be paired with an HSA for additional pre-tax savings.
It depends on the plan and the state — but we filter for it. Many ACA marketplace plans now include acupuncture, chiropractic, and physical therapy as essential benefits, often with 12–20 visits per year. Renewal specifically screens plans for integrative-care benefits before we send them to you.
Wellness practitioners earning between $25,000 and $60,000 in self-employment income typically pay $0–$220/month after ACA subsidies in 2026. Premiums vary by age, state, and metal tier. Your advisor will calculate your exact subsidy and out-of-pocket cost at no charge.
This is what supplemental and short-term disability coverage is for. A small monthly premium ($15–$45) buys you cash benefits paid directly to you if you can't work due to injury or illness. We strongly recommend it for any practitioner whose income depends on hands-on bookings.
Yes. Group plans are available for studios with 2 or more W-2 employees. For studios that lean on 1099 contractors, we can design a Section 125 reimbursement plan or an ICHRA that lets you contribute to each practitioner's individual coverage tax-free. Both are simple to administer.
We cross-check every plan against your current providers before you enroll — primary care, specialists, hospitals, and your favorite acupuncturist or chiropractor if they bill through medical. You'll never be surprised after enrollment.
Open Enrollment for 2026 coverage runs November 1, 2025 through January 15, 2026. Outside this window, you can enroll if you experience a qualifying life event — losing job-based coverage, getting married, having a baby, moving, or aging off a parent's plan. Short-term and supplemental plans are available year-round.
If you choose a High-Deductible Health Plan (HDHP), you can open a Health Savings Account and contribute up to $4,300 (individual) or $8,550 (family) in 2026 — all pre-tax. Funds roll over year to year, can be invested, and are spent tax-free on qualified medical expenses. For wellness pros with variable income, the HSA is one of the most tax-efficient tools available.
No on both. We never share your contact information with carriers until you choose a plan and ask us to enroll you. You'll never receive a cold sales call from us — we work on a quiet, opt-in cadence. Take days, weeks, or a season to decide.