A husband and wife, small business owners with a teenage daughter in college, were referred to me by a long-time client.
They earned about $185,000 a year.
They had no health coverage for themselves.
They purchased a student health plan for their daughter through her university at a cost of $3,600.
They knew something wasn’t working, but they weren’t sure how to fix it.
Their daughter’s student health plan was expensive and didn’t provide the best coverage.
They were paying full price for insurance because their income was too high to qualify for subsidies.
They felt stuck paying too much, with limited options.
I showed them how to restructure their income legally and strategically:
1. Reallocated some of their income by paying their daughter as a freelancer for their business.
This lowered their household income on paper.
It also allowed their daughter to qualify for a subsidy to purchase her own health plan — with better coverage and lower deductibles than the university plan.
2. With their adjusted income, both parents also qualified for a subsidy to help pay for their own health insurance.
Their daughter moved from an expensive, limited student plan to a better quality health plan with lower out-of-pocket costs.
The family avoided paying full price for their own coverage.
In the first year alone, they saved about:
$3,600 on their daughter’s plan
$6,000 on their own coverage
$9,600 total
This family didn’t just get “insurance.” They got a strategy that restructured their income and unlocked thousands of dollars in savings — while improving their coverage.
👉 This is why I emphasize: insurance is just the tool. The real value is in knowing how to apply it to solve problems.