I’m self-employed and the only employee I have is my adult child. What are my options?

In the majority of states, you may be eligible to purchase small employer group coverage as long as your adult child is a full-time employee. You can purchase small group coverage with the help of an agent, broker, or directly with a health insurer who provides small group coverage. Check with your state Department of Insurance to see if this applies to you. (45 C.F.R. § 144.103).