Freelancers, 1099 contractors, and business owners need health insurance too. You're not locked out; you have real options.
Straight talk, no marketplace jargon.
Losing other coverage opens a special enrollment window. But many plans are available year-round, so if your situation changes mid-year, you don't have to wait.
Not every health plan is sold through Healthcare.gov. If the marketplace doesn't work for your situation, solid options are available that get overlooked.
What you pay for self-employed health insurance may be tax-deductible; talk to your accountant. That can cut the real cost substantially.
ACA plans cannot deny you or charge more based on your health. If you're uninsured or switching, your health status doesn't factor into approval or price.
What self-employed people ask most.
Yes, absolutely. Freelancers, contractors, and 1099 workers buy their own coverage every day. Take the quick quiz to see what's available in your situation.
Not always. If you recently lost other coverage or had a qualifying life event, you can usually apply year-round through a special enrollment window. Even outside those windows, many plans are available. The quiz will show you your real options.
Costs depend on your age, where you live, and the coverage you choose. That's why comparing your real options matters. Income also affects what you'll actually pay: federal subsidies can lower your monthly premiums significantly if you qualify.
Likely yes, but that's a question for your accountant or tax advisor. The self-employed health insurance deduction exists and can be substantial. Work with your tax professional on your specific structure.
ACA plans cannot deny coverage or charge more based on health conditions. That protection has been in place since 2014. If you're uninsured now, you can enroll regardless of your health history.
Answer a few quick questions and see your real options: subsidized, unsubsidized, or private. It takes about 3 minutes.
Start the quiz → Or call 813-999-0101Learn more about your situation