For the self-employed
Health insurance when you work for yourself.
No HR department, no group plan, no one running the numbers for you. That is where we come in. We find self-employed people, freelancers, and 1099 contractors real coverage, and we do the subsidy math most people miss, at no cost to you.
You are not stuck without an employer plan
Working for yourself does not mean you are out of options. The ACA Marketplace is fully open to you, and many self-employed people qualify for income-based subsidies that bring the premium down a lot. There are also private plans and short-term options for specific situations. Comparing them honestly is exactly what an independent agent is for.
The subsidy math matters most
Marketplace subsidies are based on your estimated annual income, and for someone whose income moves around, getting that estimate right is the difference between overpaying all year and getting it just right. We run your current numbers with you, not last year’s, since the rules change year to year.
If you're healthy and need a bridge
Just left a W-2 job, or waiting for a Marketplace window to open? A short-term or private plan can bridge a healthy person through a gap. Just know these are not ACA-comprehensive plans and may not cover pre-existing conditions, so we explain exactly what they cover first. And if you are coming off a job, we can compare COBRA against a Marketplace plan so you actually know which is cheaper, because COBRA is rarely the only option and rarely the least expensive one.
Don't overlook the tax angle
Many self-employed people can take the self-employed health insurance deduction, which lowers the true cost of being covered. We are not your tax advisor, so confirm the details with your tax professional, but it is a real factor worth weighing when you compare plans.
Have an employee or two?
If you are not solo, you also have small-business choices, from group plans to arrangements that let you reimburse employees for their own coverage. Our Small Business page covers it, or just tell us your headcount.
Common questions
What self-employed clients ask
I don’t have an employer plan. What are my options?
More than you might think. The ACA Marketplace is open to you, and many self-employed people qualify for subsidies based on income. Beyond that there are private plans and short-term options. We compare them so you can see the full picture, not just the first thing you find online.
My income changes month to month. Does that hurt me?
No, it just means the subsidy math needs care. Marketplace subsidies are based on your estimated annual income, so we help you estimate it sensibly and explain what happens at tax time if it comes in higher or lower than expected.
Can I deduct my health insurance premiums?
Many self-employed people can deduct their health insurance premiums, which effectively lowers the real cost of coverage. The specifics depend on your taxes, so confirm with your tax professional, but it is worth factoring in when you compare plans.
What if I have an employee or two?
Then you have small-business options as well, including group plans and arrangements that reimburse employees for their own coverage. See our Small Business page, or tell us your headcount and we will point you to the best fit.
Ready to see your options?
Tell us a little about your situation and a licensed advisor reaches out the same day, usually within minutes during business hours. No spam, no obligation.
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