I'm self-employed and have two teen-agers and wife and myself still to be insured. My used bookselling business is mainly online and has been busier than ever since the quarantining, so my income is going to be over the threshold for the subsidized Marketplace policy unless I spend quite a few thousand dollars in business expenses before the end of the year to get the income level under the limit (which obviously I plan to do). It's either spend the thousands of dollars on business expenses or owe $18,000 back to the marketplace.

I'm tired of the restrictions on income with the Obamacare policies and was wondering what other self-employed families would recommend. I've looked at things like Christian Ministries and Samartian Ministries, but they don't qualify for HSA deductions. Is it realistic to find something in the $500-$700 per month range, with large deductable, for a policy in my situation?
Any info. would be appreciated.