# Sponsoring a health insurance plan in your practice may not be as expensive as you think

Page: https://stenobird.com/podcast/20-20-money-the-business-of-optometry-336242/sponsoring-a-health-insurance-plan-in-your-practice-may-not-be-as-expensive-as-you-think
Text version: https://stenobird.com/podcast/20-20-money-the-business-of-optometry-336242/sponsoring-a-health-insurance-plan-in-your-practice-may-not-be-as-expensive-as-you-think.md
Podcast: [20/20 MONEY: The Business of Optometry](https://stenobird.com/podcast/20-20-money-the-business-of-optometry-336242)
Published: 2026-03-30T10:00:00+00:00
Episode link: https://integratedpwm.com/386
Audio file: https://traffic.libsyn.com/secure/adoseoffinancialcents/2020_Money_Matt_Allen_ACA_Insurance.mp3?dest-id=793816
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Duration seconds: 3349

## Resource

Health insurance is one of the most confusing and frustrating decisions practice owners face. In this episode I sit down with Matt Allen, founder of Iconic Insurance, to break down the real options available to optometric practice owners and their teams. We walk through the three primary approaches to offering coverage including fully funded plans, self funded plans, and reimbursement strategies. Matt explains how each structure works, when they make sense, and why understanding the risk profile of your team can dramatically impact cost and plan design. We also spend time discussing a second scenario many practice owners eventually face: the gap between selling a practice and becoming eligible for Medicare. Matt shares how the Affordable Care Act marketplace works, how income planning can impact premium subsidies, and why network design is one of the most overlooked risks when transitioning from employer coverage to individual plans. If you have ever felt overwhelmed trying to navigate health insurance decisions for yourself or your team, this episode will give you a clearer framework for evaluating your options. Resources: Book a Triage call with Adam Download the Practice Owner's Financial Toolkit 20/20 Money Ultimate Financial Success Masterclass OD Mastermind Interest Form Check out Adam's new book: How to Buy an Optometry Practice Iconic Insurance Connect with Matt Allen on LinkedIn

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