If you are in reasonably good health, look into getting a high-deductible health plan ("HDHP") which would qualify you for a health savings account ("HSA"). You can sock money away in an HSA tax-free and use the funds to pay for medical expenses that are not covered or incurred before the deductible is met. Your premiums will be lower with a high deductible. And as a self-employed individual, you may be able to take advantage of the self-employed insurance deduction and write off the cost you pay in monthly premiums.

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