What is a private family plan for a self-employed buyer?
A private family plan for a self-employed buyer is a single ACA-compliant individual-market policy covering the applicant, spouse, and dependent children, purchased off-exchange from a carrier at the full-price family premium and eligible for the self-employed health insurance deduction (IRS Publication 535).
Reviewed by Jason Burns, Editor & Steward · Last verified 2026-07-19
What it means
- Family premium is based on each covered member's age and the plan's rating area.
- Family HDHPs allow the higher family HSA contribution limit for 2026 ($8,750).
Action steps
- List all dependents and their DOBs before requesting quotes.
- Compare a family plan to two adult-only plans plus child-only plans for cost.
Risks & deadlines
- Dependents lose coverage on the plan's stated aging-out date (typically age 26).
Sources
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Phone consultations only — 1-866-254-9580. Private Health Insurance Direct Questions is an educational question directory for full-price, off-exchange private health insurance buyers. It is not medical, legal, tax, or benefits advice.
Source: full plain-language answer at Private Health Insurance Direct Answers. Licensed under Citation License 1.0 (terms).