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In response Mandy ... to her Publication
What about creating your own HSA? (health savings account)
The $$ you're putting toward an insurer could be a better benefit for you (and family) than the waste of an insurance comp. I'm with a large corp and am forced into the plan. Personally? I'd choose a diff route since I'm in the same boat as you. Good luck!
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HSAs for Small Business Owners and Self-Employed Individuals
If you’re a business owner looking for an HSA—you’ve come to the right place. Learn all about HSAs for small business owners or self-employed HSAs.
https://www.bendhsa.com/hsas-for-small-business