[LWJ]

Exactly the question to ask!

I have similar "friends!"

I do work in commercial insurance so I do know something about this topic. Typically, if you have a business with one person outside a married couple (total of three lives) you can write a group policy. It will be age rated almost for sure. Different states are different but I don't know of any way to side-step the age rating.

So, can you make a small business and hire someone? If not, you are stuck with the individual market.

In a pre-COVID world, there were international health plans for expats. They are cheap. Something like $1000-$1200 per year per person. I didn't research too deep. The criteria was that you needed to live X% in an approved country (France, Portugal or similar) and that this would pick up any balances. It may be a killer loophole. But, there isn't much travel today.

I will be checking back to see what the brain trust says. Good luck.