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  • Writer's pictureJennifer Sobal

Self-Employed Health Insurance: A Private Practitioner's Guide

Updated: May 25

Today, I want to talk about a topic that's close to my heart: the importance of securing insurance when you're running your private practice. As I reflect on the challenges, considerations, and invaluable lessons I've learned along the way.

Transitioning to private practice was a defining moment in my career. The autonomy and freedom to shape my practice according to my vision and values were exhilarating. However, with great independence comes great responsibility, and one of the most critical responsibilities I encountered was ensuring adequate health insurance coverage for myself and my loved ones.

As a private practitioner, the journey is marked by ebbs and flows, highs and lows. While the sense of fulfillment in serving clients and making a positive impact is unparalleled, there's an inherent unpredictability that comes with the territory. From fluctuating income streams to unforeseen expenses, navigating the financial landscape of private practice can be daunting.

Contact JS Health Solutions: (855)625-7194

One of the advantages of being in private practice is the ability to customize. Just as I tailored my services to meet the unique needs of my clients, I sought out insurance plans that aligned with my specific circumstances. From comprehensive coverage for routine medical expenses to provisions for specialized care, I prioritized flexibility and adequacy in my insurance choices.

Navigating the Maze:

Let's face it—navigating the world of insurance can feel like traversing a labyrinth at times. From deciphering complex policy terms to weighing coverage options, the process can be overwhelming. However, I soon learned that I didn't have to go it alone. Seeking guidance from insurance brokers and industry professionals proved invaluable in making informed decisions about my coverage.

A Commitment to Wellness:

Beyond the realm of clinical practice, prioritizing wellness both personal and professional remains paramount. Investing in health insurance isn't just about mitigating risk; it's about investing in oneself and laying the foundation for a sustainable future. As private practitioners, we owe it to ourselves and our communities to lead by example and prioritize our well-being.

In the ever-evolving landscape of private practice, one thing remains constant: the need for health insurance. It's not just a financial safeguard; it's a testament to our commitment to self-care and resilience. As we navigate the complexities of entrepreneurship and healthcare, let's remember to prioritize our health and embrace the journey with courage and compassion.

These are the deductions that may be no-brainers to some, but may not be on your radar as a new business owner. Some of these things may not apply to you at all. For instance, I don’t use my car for my business since driving to and from work doesn’t count. I also have yet to travel for the sake of my business, since most classes and conventions are now held online.

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  • Bank fees such as overdraft fees or maintenance fees

  • Health insurance 

  • Legal or professional fees paid

  • Travel expenses (not counting driving to and from work, but if you were to travel for a patient or a class)

  • Vehicle use and milage (not counting driving to and from work, but if you were to travel for a patient or a class)

As you are preparing for your taxes, please take a look at this complete list I have compiled of everything you need to have gathered for your tax preparer.

Taxes in Private Practice Starting a Private Practice Written By Ashley Diehl

Thank you for joining me on this personal reflection on the intersection of private practice. I hope my insights and experiences resonate with fellow practitioners navigating similar paths. Remember, your health is your most precious asset cherish it, protect it, and let it be the guiding light on your journey to success and fulfillment in private practice. Until next time, take care and stay well.

Contact JS Health Solutions: (855)625-7194


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