As an agent, your business creates its own health plan. Solo operates as a self-funded captive, the same structure large employers have used for decades to control costs and coverage quality. What makes it work for solopreneurs is the membership model: every Solo member passes a brief health questionnaire before enrolling, which keeps the insured pool healthier and lower-risk than what you'd find on the open market.
That lower risk translates directly into lower costs. On average, Solo members save 30% compared to a comparable state marketplace plan without giving up the nationwide network, preventive care, or major medical coverage they need.
