Insurance Questions? We Have Straight Answers.

Almost always, yes. Most independent personal trainers earn between $35k and $75k on Schedule C, which puts them squarely in subsidy territory under the expanded premium tax credits. Real Peak Form clients on this income range pay $0–$220/month for a Silver-tier plan after subsidy. We do a full subsidy estimate before recommending any plan.

You estimate based on a realistic annual projection — usually last year's Schedule C net income, adjusted for any contract changes. The marketplace reconciles at tax time, so under-estimating means you may owe back; over-estimating means a refund. Our advisors run two scenarios (conservative and aggressive) so you can see the worst-case before enrolling.

If you're a self-employed trainer with no spouse coverage available, you can generally deduct 100% of your premiums as an above-the-line adjustment on Schedule 1, not Schedule C — but it still lowers your AGI and SE tax. Talk to a CPA for your specific situation, but this is one of the largest deductions most fitness pros leave on the table.

Yes — total your 1099-NEC income across every studio, subtract legitimate business expenses (continuing ed, certifications, music licensing, gear), and that's your Schedule C net. That net number is what the marketplace uses for your subsidy calculation.

No. You have three main options: (1) traditional small-group medical, (2) ICHRA reimbursement where each trainer picks their own marketplace plan and you reimburse pre-tax, (3) level-funded plans designed for healthy small employers. We compare all three before recommending one.

Two routes: an ACA marketplace plan that travels with you year-round (best for full-time S&C coaches), or a short-term bridge plan for the off-season gap. Athletic trainers on per-diem contracts often layer in supplemental accident coverage because of the physical exposure.

All ACA plans cover both, but the deductibles, in-network ortho clinics, and PT visit caps vary enormously. We check every plan we recommend against the ortho group and PT clinic you want to use. This is the #1 reason our trainer clients re-enroll with us every year — most agents skip this step.

Yes. Mental health parity laws require equal coverage, but real access depends on network and therapist availability. We specifically check therapy panels and psychiatrist availability for the plans we recommend — especially important for coaches in high-touch, high-energy work who burn out faster than most realize.

Open Enrollment for 2026 ACA plans runs November 1 – January 15. Outside that window you need a qualifying life event (losing other coverage, marriage, birth, move). Short-term bridge plans, supplemental, dental, and vision are mostly year-round.

Zero. Carriers compensate us when you enroll. You pay the same — or less — than buying direct, and you get a dedicated advisor who knows the fitness industry and stays with you year over year.