PPO through HAP in Michigan. $798/mo, $1500/$3000 deductible for my wife and I, no kids. I dug around on the exchange and then ultimately bought directly instea

PPO through HAP in Michigan. $798/mo, $1500/$3000 deductible for my wife and I, no kids. I dug around on the exchange and then ultimately bought directly instead of through the exchange because we're not eligible for subsidies. ACA has basically made this a non-issue. Figure out how big of a deductible you can absorb, walk through your state's exchange and find something reasonable. Then (this is the most important part), raise your rate to compensate for your newly legitimate business expense.