PlanVoyager

For E-2, L-1 and other business-owner visas

Your subsidy ends in 2027. Your business can replace it.

From January 1, 2027, E-2 investors and most other visa holders no longer get the ACA premium tax credit. For a family paying $400 a month today, that can mean $1,500 or more. The business you already run has three ways to bring that number back down, all of them legal, common, and used by American owners every day.

  • Premiums become a business expense instead of an after-tax personal cost
  • Offering coverage strengthens the job-creation story on your E-2 renewal
  • A licensed broker compares all three routes for free, in your language

Talk to a small-business broker

Free. Licensed in Florida. Spanish, Portuguese and English.

Brokers are paid by the insurance carriers, not by you. We share your details only with the broker who contacts you.

The three routes, compared

Small-group plan

Businesses with at least one W-2 employee who is not your spouse.

  • Premiums are a deductible business expense
  • Employees get a real benefit, which helps E-2 renewals that show job creation
  • Group rates are not tied to age the way individual rates are
  • Carriers usually require 1 to 2 non-owner enrollees and that the business pays part of the premium
  • Less plan choice than the Marketplace
ICHRA (reimbursement account)

Any business, any size, including ones with only part-time or seasonal staff.

  • The company reimburses employees for individual plans they choose, tax-free
  • You keep the Marketplace plan you already know
  • Budget is fixed; no renewal surprises
  • An employee offered an affordable ICHRA loses their own Marketplace subsidy, so check citizen family members first
  • Needs a small administration fee and plan documents
Self-employed premium deduction

Owners of an LLC, S-corp or sole proprietorship with net profit, with no group plan available to you.

  • Deduct 100% of premiums for you, your spouse and dependents above the line
  • Works with any individual plan, on or off the exchange
  • No employees required
  • A deduction, not a credit: saves your marginal tax rate, not the full premium
  • S-corp owners must run premiums through payroll correctly

Frequently asked questions

Can an E-2 visa holder get health insurance through their own company?
Yes. Your E-2 business is a U.S. employer and can sponsor a small-group plan or an ICHRA like any other company. Carriers care about the business being real and employees being on payroll, not about the owner’s visa type.
Which route replaces the lost subsidy best?
It depends on employees and income. With two or more non-family W-2 employees, a small-group plan usually comes closest because the premium is fully deductible and spread across the group. With no employees, the self-employed deduction is the only business route, and a Bronze HSA plan keeps the premium low. ICHRA sits in between.
Does a company plan affect my citizen children’s subsidy?
It can. If the company offers affordable coverage to you, family members offered that coverage may lose the Marketplace credit under the family-glitch rules. Tell the broker which family members are citizens or green card holders so the design keeps their subsidy where that is worth more.
Is the broker free?
Yes. Brokers are paid commissions by the insurance carriers. You pay the same premium whether or not you use one. PlanVoyager may receive a referral fee from the broker.

Read the full ICHRA guide, with an ICHRA vs group plan comparison →

Not a business owner? See full-price Marketplace options →

General information, not legal, tax or immigration advice. Deductibility depends on your entity type and income; confirm with a CPA. Plan availability varies by state and carrier.