Series
The 65-Plus Entrepreneur
The 65-plus entrepreneur is the fastest-growing entrepreneurial cohort and the least-served population in the health coverage market. Medicare handles acute care well and leaves routine dental, hearing, and international coverage entirely uncovered, with no out-of-pocket maximum. Series 16 maps the gaps, traces the tax structures that enable cost optimization, and assembles the components into Detego Silver.
LFP-16.01
The 65-Plus Entrepreneur: Who They Are, What They Have, and What They Need That Does Not Exist
The Medicare supplement broker does not understand entity structure. The group benefits broker does not understand Medicare. The 65-plus entrepreneur, whether a continuing business …
LFP-16.02
Medicare as Primary Coverage: What It Covers, What It Does Not, and Where the Gaps Create Product Opportunity
The gaps are specific and unchanged since 1965: no routine dental, no routine vision, no hearing aids, no international coverage, no out-of-pocket maximum. Medicare's acute care …
LFP-16.03
Group Medicare Supplement Through Association or Employer Mechanism: The Coverage Wrap
The S Corporation owner who buys Medigap individually pays with after-tax personal dollars. The same owner who routes the same premium through the business, into W-2 wages, and out …
LFP-16.04
The HRA Reimbursement Model: Employer-Funded Premium and Cost-Sharing Support for Medicare-Covered Owners
ICHRA has no contribution limit and can reimburse Part B premiums, Medigap premiums, Part D premiums, dental and vision premiums, and out-of-pocket expenses. The typical 65-plus …
LFP-16.05
Tax Treatment: How the LLC and S Corp Structure Affects Deductibility and Product Design
A $10,000 health premium through an S Corporation saves approximately $1,530 in FICA taxes before the income tax deduction. The Section 162(l) self-employed health insurance …
LFP-16.06
Product Design for the Post-Medicare Market: What a Silver Offering Looks Like
Silver assembles group Medicare Supplement, HRA-funded reimbursement, bundled dental, vision and hearing, international care, and concierge navigation. Pre-tax costs of $600 to …
LFP-16.07
Channels and Go-to-Market: How to Reach 65-Plus Business Owners and What the Distribution Looks Like
Silver is not sold by insurance brokers. It is sold by CPAs and financial advisors who already see the client's health expenses on the tax return, know the entity structure, and …