Your Health Coverage Is Now a $20,000+ Business Decision
When you went fractional, you lost more than a paycheck. Employer health coverage, HSA contributions, disability insurance — all gone. Covered by Keith helps fractional executives and independent consultants replace that safety net with private health plans that offer better doctor networks and better rates.
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$20,000–$30,000
Annual value of corporate benefits the average fractional exec lost
Source: Bureau of Labor Statistics
14%+
Proposed ACA premium increase for 2027
Source: KFF
58%
Average premium increase after enhanced subsidies expired
Source: KFF
What You Lost When You Went Fractional
The corporate benefits package was worth more than most people realize. Here's what walked out the door with your W-2.
Health Coverage
Employer paid ~$7,000–$15,000/year
401k Match
Typically 3–6% of salary
HSA/FSA Contributions
Often $1,000–$3,000/year
Disability Insurance
Short + long term coverage
Life Insurance
Often 1–2x salary, free
The Fractional Exec's Coverage Strategy
Audit What You Lost
Get a clear breakdown of the benefits package you left behind and what it costs to replace.
Build Your Private Coverage Portfolio
Private health plan + HSA + supplemental coverage — structured for your income and tax situation.
Optimize for Tax Efficiency
Self-employed health insurance deduction, HSA triple tax advantage, S-corp premium structuring.
Private Plans vs. ACA Marketplace
| Feature | ACA Marketplace | Private Health Plans |
|---|---|---|
| Doctor Networks | Limited, narrow networks | Broader, preferred provider networks |
| Monthly Premium | Rising 14%+ in 2027 | Often lower with better coverage |
| HSA Eligibility | Only specific metal-tier plans | Many HDHP options available |
| Tax Efficiency | Limited deduction options | Full self-employed deduction + HSA |
| Wait Times | Longer for specialists | Priority access, shorter waits |
The HSA Advantage for High Earners
An HSA is the only account with a triple tax advantage: contributions are tax-deductible, growth is tax-free, and withdrawals are tax-free for qualified medical expenses. After age 65, HSA funds work like a traditional IRA for non-medical expenses.
$4,400
2026 individual contribution limit
$8,350
2026 family contribution limit
$1,500–$2,500
Annual tax savings when maxed
For high-earning fractional execs, maxing an HSA can save $1,500–$2,500/year in taxes while building a stealth retirement account.
Don't Wait for Open Enrollment
The 2027 rate increases are coming. Find out if a private plan can save you money before November 1st.