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X-WR-CALNAME:Frontier RTP
X-WR-CALDESC:Research Triangle Park
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DTSTART;TZID=America/New_York:20261021T120000
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SUMMARY:On the Menu: Health Insurance Without HR: Understanding Your Options When You’re Self-Employed
DESCRIPTION:\nSession Description\n\nWhen you work for yourself, there’s no HR department choosing your health insurance – and figuring out your options can be confusing. Whether you’re self-employed, freelancing, running a small business, leaving employer coverage, or planning to retire before Medicare, you may suddenly find yourself responsible for choosing your own coverage. Should you use the ACA Marketplace? Do you qualify for a subsidy? What happens when your income changes? What options exist outside the Marketplace? Could a Health Savings Account (HSA) help you save for medical expenses? And how can you tell whether a plan will actually cover what you need when you need it? In this practical, jargon-free Lunch & Learn, Emily Jolley of Triangle Health Advisors will break down how ACA Marketplace coverage works, including subsidies, income considerations, provider networks, prescriptions, deductibles, plan selection, and how HSAs may fit into an overall health-care strategy. She’ll be joined by Scott Ball of Scott Ball Insurance, who will explain health coverage options available outside the ACA Marketplace, how those products differ from ACA-compliant coverage, and what consumers should understand before considering them. Rather than telling you which plan to buy, they’ll give you a framework for evaluating your options and asking the right questions.\nWhat You’ll Learn\n\nHow the ACA Marketplace works and who may qualify for premium tax credits\nWhy income is especially important when you’re self-employed\nHow to compare premiums, deductibles, networks, prescriptions, and potential out-of-pocket costs\nHow Health Savings Accounts work and who may be eligible to contribute\nHow an HSA can help you save for qualified medical expenses and plan for future health-care costs\nWhat types of health coverage may be available outside the ACA Marketplace\nImportant differences between ACA-compliant coverage and non-ACA alternatives\nWhat to consider when leaving employer coverage, becoming self-employed, or retiring before Medicare\nThe questions you should ask before enrolling in any health plan\n\nYou’ll leave with a clearer understanding of the individual health insurance landscape, how the different options may fit your circumstances, and what questions to ask before choosing coverage.\nSession Speakers\nEmily Jolley | Triangle Health Advisors  ( http://trianglehealthadvisors.com )\nEmily Jolley is the owner of Triangle Health Advisors, an independent health insurance brokerage based in Durham, North Carolina. She helps individuals, families, self-employed professionals, and early retirees make sense of their health insurance options with straightforward, personalized guidance. Before entering the health insurance world, Emily spent years as a preschool teacher and director, where she developed a knack for taking complicated topics and making them easier to understand – a skill that translates surprisingly well to health insurance. She founded Triangle Health Advisors in 2023 with an education-first approach to helping clients feel more confident about their coverage decisions. Outside of insurance, Emily enjoys singing with her local choir, spending time with her family, and being involved in her community.\nScott Ball | Scott Ball Insurance\nScott Ball is the owner of Scott Ball Insurance, where he helps individuals, families, and small business owners navigate the often-confusing world of health insurance. Based in the Raleigh, North Carolina area, Scott focuses on making health coverage easier to understand and helping his clients find options that fit both their needs and their budget. Outside of insurance, Scott enjoys networking, golf, spending time outdoors, and finding new ways to be involved in his community. Whether he is meeting one-on-one with a client or speaking to a room of business owners, his goal is simple: make health insurance feel less overwhelming and help people feel confident about their options.\n\n\nGame Plan\n11:30 a.m. | In-Person | Check-In opens and lunch is available\n12:00 p.m. | Event begins\n1:00 p.m. | Go on back to work!\nWhat’s On The Menu?\nAt Frontier RTP, we are constantly growing, and hope you will come along for the ride! We developed On the Menu as a way of helping you and your business grow to the next level, whatever that next level may be.\nEach month, we offer a lunchtime workshop on a special topic related to small businesses or startups. On the Menu is taught by a diverse group of experts from around the Triangle (some of whom started their business here at Frontier RTP!) in a small group setting. \nOur hope is that these workshops will not only be rich in content, but spark dialogue, start relationships, and make your lunch break meaningful. Did we mention there will be free lunch?\nWe want you to easily access our events. Please reach out to us with accommodation requests at programming@rtp.org ( mailto:programming@rtp.org ) and we’ll do our best to facilitate.\n\n      \n        \n        \n      \n    \nNote: By registering and participating in this event, you consent to the recording of your likeness, image, and/or voice and authorize Frontier RTP to use photographs, video, and audio recordings containing your likeness, image, and/or voice in any medium for any purpose.\n
URL:https://frontier.rtp.org/calendar/on-the-menu-2026-10-22/
CATEGORIES:On the Menu
LOCATION:800 Park Offices Drive, Durham, NC 27713
ATTACH;FMTTYPE=image/png:https://frontier.rtp.org/wp-content/uploads/sites/2/2026/09/Emily-Jolley.png
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