Health Insurance & Tax-Smart Strategies for Business Owners

Are you a self-employed professional or business owner looking to lower healthcare costs and protect your health with the right coverage? I specialize in helping entrepreneurs, small business owners, and independent contractors find smarter solutions.

Section 105 Health Reimbursement Arrangement (HRA):
With a Section 105 HRA, you can convert personal medical expenses into deductible business costs. This strategy helps you save on taxes, reduce your taxable income, and maximize the benefits of your healthcare spending—all while supporting a healthier workplace culture.

Health Insurance for Healthy Business Owners & the Self-Employed:
If you’re a healthy individual, you may qualify for lower-risk health insurance pools that offer better rates and stronger protection. I’ll help you secure a plan that rewards your commitment to health, keeps costs down, and provides real coverage tailored to your needs.

Why Work With Me?

  • Lower healthcare costs through smart tax strategies

  • Access to affordable health insurance plans for self-employed individuals

  • Personalized coverage that aligns with your lifestyle, values, and budget

Your health is your greatest asset. Let’s make sure your insurance plan is working as hard as you are.

Are You Really Healthy?

If you take care of yourself — rarely visit the doctor, eat clean, and stay active — you deserve health coverage that reflects that.

Most healthy individuals don’t realize they may qualify for a lower risk pool, which can mean:

  • Lower premiums

  • More comprehensive coverage

  • Even a $0 deductible

Unfortunately, many people overpay because they’re placed in the wrong health pool — and traditional insurance companies won’t tell you that.

At CJ Health Insurance, we make sure your plan matches your lifestyle and your health.


Because if you’ve earned your good health, you deserve to pay less and get more.