CoveragebyCounty

For Tax Professionals: Health Insurance Handouts for Your Clients

A one-page sheet per state on the premium deduction, the W-2 step and the 2027 cliff, and a licensed agent for the plan itself.

For CPAs, enrolled agents and bookkeepers: clients who own an S corporation or work for themselves ask the same two things every tax season: which health plan, and why the premiums never made it onto the W-2. Licensed agents in 31 states (led by Daniel Griffin, NPN #22052447) take the first question off your desk. The printable state handouts below cover the second in plain English, with your firm’s name on them.

  • 31states with a licensed agent to sell marketplace and private plans
  • 18one-page state handouts below, each matched to a full state guide with a calculator
  • $0what a client pays for the agent’s help; the insurer pays the agent
  • Dec 31the date an S corporation has to pay or reimburse the owner’s 2026 premiums by

What Your Client Gets

  • Plans priced side by side. Marketplace and private plans for the client’s ZIP code, with expected 2027 income checked against the subsidy cliff.
  • Doctors and prescriptions checked against each plan’s network before the client chooses.
  • A plan bought with the company-pays step in mind. In the owner’s name or the company’s, set up so the S corporation can pay it or reimburse it the way Notice 2008-1 needs.
  • One licensed agent, no call center. By text, phone or email, and no cold calls.
  • The tax side stays with you. The agent gives no tax advice, and every handout says so.

How a Referral Works

  1. Hand over the sheetPrint the client’s state handout below, with your firm’s name on it.
  2. The client reaches outA ZIP code on any state guide, or a call or text to (713) 575-9904.
  3. Plans are comparedMarketplace and private, doctors checked, the subsidy line checked.
  4. You file as usualBox 1 for S corp owners, Form 7206 and Schedule 1 line 17 for everyone.

Printable Client Handouts

Pick the client’s state, add your firm’s name and phone if you like, and print. The firm details stay in this browser; nothing typed here is sent anywhere.

Each handout fits on one letter-size page. The state tax line and 2027 prices come from the state guides, which cite their sources.

Compliments of ________________________2026 taxes · 2027 coverage

Health Insurance and Your Taxes in Florida

For S corporation owners and the self-employed. A summary, not tax advice: the deduction, wages and payroll belong with your tax professional.

  1. Dec 15enroll for a plan that starts January 1
  2. Dec 31the S corp pays or reimburses 2026 premiums
  3. Jan 15open enrollment ends
  4. Feb 12026 W-2s are due
  5. Apr 15last day for 2026 HSA contributions

S corporation owners (more than 2%)

  • The company pays the premiums, or reimburses you with proof you paid, by December 31.
  • They go in W-2 Box 1 as wages; Boxes 3 and 5 stay clear of them.
  • The deduction (Form 7206, then Schedule 1 line 17) can’t be more than your Box 5 Medicare wages from the company.
  • Paid from a personal account and never reimbursed: no deduction.

Self-employed (Schedule C, single-member LLC)

  • Premiums paid during 2026 count; the policy can be in your name or the business’s.
  • Capped at net profit, less the deductible part of self-employment tax and SEP, SIMPLE or qualified plan contributions from the same business.
  • It lowers income tax, not self-employment tax.
  • No deduction for months you or your spouse could join an employer’s subsidized plan.

Florida tax

Florida has no personal income tax. The state constitution bars a tax on the income of residents (Article VII, Section 5), so every dollar of this deduction saves federal tax only.

2027 coverage in Florida

The typical Florida county’s cheapest 2027 Silver plan costs $701 a month for a 40-year-old and $2,242 for a family of four, before any subsidy. The 2027 subsidy cliff is $63,840 of income for one person and $132,000 for a family of four; the deduction lowers the income the marketplace counts.

Plans, prices and doctor checks: Daniel Griffin, licensed agent, NPN #22052447 · (713) 575-9904 · coveragebycounty.com/s-corp-health-insurance-deduction-florida.html

Or Send the Full State Guide

Each guide has a Form 7206-style calculator, the state’s income tax treatment and 2027 prices for five metros.

For clients in Georgia, Virginia, Illinois, Maryland or Colorado, the same agent is licensed there too; the national guides apply: health insurance for S corp owners and the self-employment health insurance deduction. The dated version for clients: the year-end checklist.

Common Questions

Does the agent give tax advice?

No. The agent compares and enrolls health plans. The deduction, reasonable compensation and payroll stay with the client’s tax professional, and every handout says so.

What does a client pay for the agent’s help?

Nothing. The insurer pays the agent’s commission.

Which states is the agent licensed in?

31: Alabama, Arkansas, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin and Wyoming. The printable handouts cover the states that have a full state guide so far.

Can a handout carry the firm’s name?

Yes. Type the firm name and phone above the handout and print it. What you type stays in your browser and is not sent anywhere.

Sources

See what’s available in your area

Enter your ZIP code and a licensed agent will pull the options you actually qualify for.

No obligation · Free service · Licensed agents in 31 states · NPN #22052447

A client who needs a plan, or a plan for the firm itself? Send a ZIP code and a licensed agent follows up.

Check My Eligibility — Free →

Or call (713) 575-9904 · Licensed agents in 31 states · No obligation

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