Choosing Health Sharing for Self-Employed: Tax Strategy + Cost Comparison

Feb 10, 2026 • 11 min read

As a self-employed person, health sharing contributions are tax-deductible—potentially saving thousands annually. But which is actually cheaper at your income level: ACA subsidies or health sharing + HSA coordination?

See real-world scenarios at $50K, $100K, $150K, and $200K income levels, plus HSA tax strategies that compound over decades.

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