Private plans: apply any time of year: apply any timeLicensed in 36 states · $0 to work with meVerify my license: NPN 20698748Verify license
By occupation

Health insurance for your line of work

Hi, I'm Sam. I mainly help people who work for themselves, and finding coverage that makes sense starts with understanding their day-to-day situation. That includes how they earn their income, where their work takes them, and who they have at home. Look for your line of work below.

Start here

Before we talk about what someone does for work, these are the two questions I get most often.

Tampa Bay

I work out of Tampa. These pages show nearby counties and communities, including available plan counts, local hospitals, and coverage that fits.

Hillsborough County health insurance broker

Hillsborough County health insurance: 173 marketplace choices, a single PPO insurer and the local hospitals that matter to residents.

Read the local guide →

Manatee County health insurance broker

Explore Manatee County's 136 marketplace plans from 5 insurers, what the Sarasota county boundary means for coverage, and ways to keep seeing doctors on either side of that line.

Read the local guide →

Pasco County health insurance broker

Moving to Pasco County? Explore its 173 marketplace plans, your enrollment opportunity after relocating, and coverage before Medicare.

Read the local guide →

Pinellas County health insurance broker

A look at Pinellas County's 149 marketplace plans, how seasonal earnings affect coverage choices, and ways to avoid having your premium tax credit become money owed at tax time.

Read the local guide →

Polk County health insurance broker

Explore Polk County's 159 marketplace plans, the limitations local provider networks create for drivers, and hospital coverage choices around Lakeland and Winter Haven.

Read the local guide →

Brandon health insurance broker

Health insurance in Brandon: what families east of Tampa should know about children's coverage, Oakfield Drive's hospital and plan costs.

Read the local guide →

Clearwater health insurance broker

Clearwater health coverage: comparing COBRA with personal insurance after leaving a job, plus the Morton Plant provider network question.

Read the local guide →

Riverview health insurance broker

Health insurance in Riverview for first-time shoppers turning 26, avoiding coverage gaps, and using the newer Simmons Loop hospital.

Read the local guide →

St. Petersburg health insurance broker

Health coverage for St. Petersburg restaurant and small-shop owners, their households, and access to the local children's hospital.

Read the local guide →

Wesley Chapel health insurance broker

Insurance for traveling Wesley Chapel contractors and consultants, nationwide networks, and the newer Bruce B. Downs hospital.

Read the local guide →

Is your insurance company leaving?

Several companies are pulling out of the marketplace in 2027. Find your state, check which coverage choices will still be available in your county, and see what steps to take before the deadline.

Pick your line of work

Every guide explains how people doing that kind of work are lowering what they spend on health insurance this year, along with when giving me a call could make sense for you.

1099 contractors

People earning 1099 income from one or multiple clients who are responsible for arranging and paying for their own medical coverage.

How they save →

Chiropractors in private practice

For chiropractors running their own solo or small clinics who need to purchase medical insurance for themselves, their spouses or other family members.

How they save →

Claims and catastrophe adjusters (1099)

Claims and catastrophe adjusters working on a 1099 who travel into storm-affected areas and need health insurance they can actually use while away from home.

How they save →

Management and business consultants

Consultants specializing in strategy, operations, HR or finance who operate through their own LLC or take contract assignments and are responsible for purchasing their own health coverage.

How they save →

Early retirees under 65

People planning to stop working before they're old enough for Medicare who need their own health insurance during the years leading up to eligibility.

How they save →

Electricians and electrical contractors

Electricians with professional licenses and owners of smaller electrical contracting businesses who previously received group health insurance through a shop before starting their own operation.

How they save →

Elevator and escalator mechanics

Elevator and escalator mechanics who are leaving company coverage to open their own service business, work on contracts or retire from their employer early.

How they save →

Farmers and ranchers

Farmers and ranchers who purchase health insurance for their households while dealing with earnings that can vary considerably between seasons.

How they save →

Financial advisors and practice owners

Financial advisors operating their own practices or working under contractor affiliations who need coverage for themselves, family members and, in some cases, employees.

How they save →

Freelancers and creatives

Freelance writers, graphic designers, photographers, editors and digital creators who earn money from client projects and pay for their own health coverage.

How they save →

General contractors, builders and remodelers

Health coverage for contractors, home builders and remodelers who own their businesses and earn income through project draws.

How they save →

Heavy equipment operators and excavation owners

Health insurance for excavation contractors and heavy equipment owner-operators whose earnings depend on weather conditions and scheduled projects.

How they save →

HVAC technicians and contractors

Coverage options for HVAC technicians and small heating and cooling business owners whose income peaks during their busiest seasons.

How they save →

Industrial mechanics and millwrights

Health coverage for industrial maintenance mechanics and millwrights taking plant shutdown or turnaround contracts, including those preparing to leave plant employment.

How they save →

Line workers and storm-restoration crews

Linemen working on contract and storm-restoration teams who travel across state lines and need health insurance that doesn't depend on a single utility employer.

How they save →

Pastors and clergy

Ministers, pastors, and other members of the clergy who need to purchase their own family health insurance because their congregation doesn't provide a plan.

How they save →

Plumbers, pipefitters and plumbing shop owners

Plumbers and pipefitters who have started their own plumbing business or switched to 1099 jobs and are responsible for purchasing their own medical insurance.

How they save →

Dentists who own their practice

Dentists who have purchased a practice or are becoming part owners and need to arrange medical insurance for themselves, their spouses, and their children.

How they save →

Physicians in private practice

For Physicians operating solo or smaller practices, as well as those transitioning away from employed medicine who need to purchase health coverage themselves.

How they save →

Real estate investors and property managers

Real estate investors and property managers earning money through rentals, property transactions, or management companies who are responsible for purchasing their own health insurance.

How they save →

Realtors and real estate agents

Commission-based real estate agents and brokers responsible for their own health insurance who need coverage they can continue affording during slower sales quarters.

How they save →

Roofers and roofing contractors

Self-employed roofing contractors, business owners running crews, and 1099 roofers who purchase personal health insurance while their earnings fluctuate with weather conditions.

How they save →

Small-business owners and LLC / S-corp owners

For people running LLCs, S-corps and smaller businesses who want health coverage for themselves and their families, whether they employ a team or not.

How they save →

Solar installers and small install company owners

For solar installation workers hired through staffing agencies, contractors working on their own, and owners of smaller installation businesses who purchase their own insurance.

How they save →

Tax preparers and bookkeepers

For bookkeepers, enrolled agents and tax preparers who work for themselves and need personal health insurance that fits their seasonal earnings.

How they save →

IT and tech contractors

For software developers, engineers and IT professionals doing contract work who purchase health coverage during projects and in the gaps between them.

How they save →

Therapists and counselors in private practice

Licensed psychologists, therapists and counselors running solo practices or working in small group practices who are responsible for purchasing their own health insurance coverage.

How they save →

Touring musicians, stagehands and event crews

Musicians on tour, stagehands, lighting and audio technicians, and event production crews who move between gigs, purchase their own health insurance, and need reliable coverage.

How they save →

Travel nurses

Travel nurses whose health benefits change or end between assignments and who need medical coverage with a network that remains useful when they're working away from home.

How they save →

Truck drivers and owner-operators

Truck drivers operating under their own authority, leased-on contractors and drivers in lease-purchase arrangements who purchase health insurance themselves and need coverage that works while traveling.

How they save →

Welders and mobile rig welders

Coverage for mobile welders, rig welders, fabricators and 1099 welders who left shop or plant insurance and now pay for their own health plans.

How they save →

Alabama

Guides written for Alabama: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Alabama

Alabama 1099 workers, particularly engineers and analysts contracting around Huntsville who regularly travel across state lines for assignments.

How they save →

Electricians in Alabama

Electricians and electrical business owners in Tuscaloosa County and West Alabama doing commercial or plant projects who need their own health insurance.

How they save →

General contractors and builders in Alabama

Self-employed Alabama builders, remodelers and general contractors purchasing their own coverage in Madison and Limestone counties near Huntsville.

How they save →

Heating and cooling technicians in Alabama

For HVAC professionals and air conditioning business owners purchasing their own health plans in Alabama's Mobile and Baldwin counties along the Gulf Coast.

How they save →

Plumbers and pipefitters in Alabama

Plumbers and plumbing shop owners purchasing their own health insurance in Alabama's Jefferson and Shelby counties near Birmingham.

How they save →

Real estate investors in Alabama

Alabama property managers and investors earning income through rentals and property sales, particularly owners of Tuscaloosa student housing.

How they save →

Realtors in Alabama

Alabama real estate professionals earning commissions at closing, particularly Baldwin County agents who purchase coverage privately or through HealthCare.gov.

How they save →

Small-business owners in Alabama

Alabama LLC owners, S-corp operators and people running family businesses, particularly in the Birmingham area, who need to purchase health coverage for their households.

How they save →

Travel nurses in Alabama

Nurses who maintain their home address in Alabama, particularly in the Mobile area, while traveling throughout the country for contract assignments.

How they save →

Truck drivers in Alabama

Owner-operators and leased-on truck drivers living near Montgomery, Alabama, who travel I-65, I-85 and I-10 and are responsible for buying their own health coverage.

How they save →

Arkansas

Guides written for Arkansas: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Arkansas

Arkansas residents receiving 1099 income, particularly Crittenden County contractors who see clients and doctors across the Tennessee state line.

How they save →

Electricians in Arkansas

Electrical contractors and electricians across Craighead County and Northeast Arkansas who handle commercial and industrial projects and purchase their own insurance.

How they save →

General contractors and builders in Arkansas

Arkansas remodelers, builders and general contractors purchasing their own health coverage in Benton and Washington counties near Rogers, Bentonville and Fayetteville.

How they save →

Heating and cooling technicians in Arkansas

For heating and cooling contractors and HVAC technicians around Hot Springs and Garland County, Arkansas, who purchase their own insurance.

How they save →

Plumbers and pipefitters in Arkansas

Plumbers and plumbing business owners in Arkansas's Pulaski, Saline and Faulkner counties around Little Rock who purchase their own health insurance.

How they save →

Real estate investors in Arkansas

Arkansas rental property owners, managers and investors who rely on rental and sales income, especially vacation-home landlords near Hot Springs.

How they save →

Realtors in Arkansas

Arkansas realtors paid through closing commissions, especially those working in Northwest Arkansas who buy coverage privately or on HealthCare.gov.

How they save →

Small-business owners in Arkansas

People operating Arkansas LLCs, S-corps and family-owned companies, especially throughout Northeast Arkansas, who purchase medical insurance for themselves and their households.

How they save →

Travel nurses in Arkansas

Nurses who travel for assignments in other states while maintaining their Arkansas home, particularly those based in Little Rock.

How they save →

Truck drivers in Arkansas

Truck owners and leased-on drivers based near Van Buren and Fort Smith, Arkansas, who travel I-40, I-49 and I-30 and pay for their own health insurance.

How they save →

Colorado

Guides written for Colorado: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Colorado

Colorado residents buying their own insurance with 1099 income, particularly oil and gas workers in Greeley and throughout Weld County.

How they save →

Electricians in Colorado

For electricians around Colorado Springs and El Paso County who are starting their own service businesses after leaving a contractor's group health plan.

How they save →

General contractors and builders in Colorado

Custom home builders and general contractors in Colorado's Castle Rock, Parker and Douglas County whose family insurance is ending because their carrier is exiting the individual market.

How they save →

Heating and cooling technicians in Colorado

For Colorado HVAC contractors and heating technicians in Summit County, including Breckenridge, Frisco and Silverthorne, whose busiest work arrives in winter.

How they save →

Plumbers and pipefitters in Colorado

Self-employed plumbing shop owners in Grand Junction, Fruita and Mesa County who purchase insurance for themselves and their spouses.

How they save →

Real estate investors in Colorado

Colorado landlords and property investors relying on rental income and sales, particularly around Grand Junction, Fruita and Palisade on the Western Slope.

How they save →

Realtors in Colorado

Colorado real estate agents who receive commissions at closing and purchase their own health insurance, particularly those serving Summit County and ski communities along I-70.

How they save →

Small-business owners in Colorado

Owners of Colorado companies purchasing medical coverage for their households, particularly those living around Fort Collins, Loveland and other parts of Larimer County.

How they save →

Travel nurses in Colorado

Nurses taking travel assignments outside Colorado while maintaining a home in the state, particularly around Pueblo and southern Colorado.

How they save →

Truck drivers in Colorado

Truck owners living in Rifle, Parachute, Silt or elsewhere in Garfield County, Colorado, who haul loads for gas-field operations, travel I-70 freight routes and purchase their own insurance.

How they save →

Delaware

Guides written for Delaware: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Delaware

Delaware 1099 professionals, particularly consultants serving Wilmington banks, legal practices and corporate-services businesses.

How they save →

Electricians in Delaware

For Delaware electricians around Dover and Kent County, particularly those moving from a small electrical contractor's group coverage to operating under their own license.

How they save →

General contractors and builders in Delaware

General contractors and home renovation businesses in Wilmington and New Castle County, Delaware, with family members receiving medical care across the border in Pennsylvania.

How they save →

Heating and cooling technicians in Delaware

For Delaware heating and cooling technicians and HVAC shop owners buying their own insurance in Seaford, Laurel and western Sussex County, including those visiting Maryland doctors.

How they save →

Plumbers and pipefitters in Delaware

Delaware plumbing contractors serving Rehoboth Beach, Lewes, Millsboro and eastern Sussex County, with their busiest work during summer rental months.

How they save →

Real estate investors in Delaware

Delaware property investors, landlords and vacation-rental operators, particularly those in Bethany Beach, Ocean View and inland Sussex County.

How they save →

Realtors in Delaware

Delaware real estate agents who receive commissions at closing, particularly those serving Sussex County's retirement communities, and need their own health insurance before Medicare eligibility.

How they save →

Small-business owners in Delaware

Small-business owners across Delaware who need family health insurance, with a particular focus on Middletown and southern New Castle County.

How they save →

Travel nurses in Delaware

Travel nurses who maintain their home in Delaware, particularly Newark or northern New Castle County, while working contracts along the I-95 corridor.

How they save →

Truck drivers in Delaware

Owner-operators and port drayage drivers living in New Castle County, Delaware, who move freight from the Port of Wilmington along I-95 and purchase health coverage themselves.

How they save →

Florida

Guides written for Florida: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Florida

Florida residents earning income through one or several 1099s who purchase their own insurance and need coverage during slower years.

How they save →

Chiropractors in Florida

Florida chiropractors who operate their own clinics or lease practice space and need health insurance for themselves or their families.

How they save →

Claims adjusters in Florida

1099 claims and catastrophe adjusters living in Florida who handle hurricane-related work locally and travel to assignments in other states.

How they save →

Consultants in Florida

Florida-based consultants in strategy, operations, HR and finance who purchase their own health insurance and travel for client work.

How they save →

Dentists in private practice in Florida

Dentists throughout Florida who own a practice or are purchasing a stake in one and need health insurance for themselves and their families.

How they save →

Early retirees in Florida

Florida residents who retire before Medicare eligibility and need to purchase their own insurance during the intervening years.

How they save →

Electricians in Florida

For Florida electricians and smaller electrical contractors now responsible for family health insurance after leaving an employer's group plan.

How they save →

Elevator mechanics in Florida

Elevator and escalator mechanics across Florida moving out of company coverage to launch a service operation, accept contracts or retire early.

How they save →

Farmers and ranchers in Florida

Florida cattle families, ranchers and growers purchasing their own health insurance while their earnings fluctuate from season to season.

How they save →

Financial advisors in Florida

Florida financial advisors operating their own firms or working as affiliated contractors who purchase health insurance for their families and, in some cases, employees.

How they save →

Freelancers and creatives in Florida

Florida-based photographers, writers, designers and content creators earning income through invoices and purchasing their own health insurance.

How they save →

General contractors and builders in Florida

Florida home builders, remodeling contractors and general contractors who own their businesses and purchase health insurance for their households.

How they save →

Heating and cooling technicians in Florida

For self-employed Florida HVAC technicians and air conditioning business owners responsible for purchasing their own health insurance.

How they save →

Heavy equipment operators in Florida

Florida site-work contractors, excavation business owners and heavy equipment owner-operators responsible for purchasing their households' medical insurance.

How they save →

Industrial mechanics and millwrights in Florida

Industrial maintenance mechanics and millwrights in Florida who take plant shutdown contracts or are preparing to leave an employer at a plant.

How they save →

Line workers in Florida

Contract line workers and storm-restoration crews based in Florida who travel between states for assignments and purchase their own health insurance.

How they save →

Pastors and clergy in Florida

Pastors, ministers and other Florida clergy who pay for their family's health insurance because their church doesn't provide a plan.

How they save →

Physicians in private practice in Florida

Florida doctors who own small or solo practices, or are transitioning out of hospital employment, and purchase their own health insurance.

How they save →

Plumbers and pipefitters in Florida

Florida plumbing and pipefitting professionals who own their shops or take 1099 jobs and must purchase health insurance themselves.

How they save →

Real estate investors in Florida

Florida landlords, real estate investors and property managers purchasing their own insurance with income from rentals, property sales or management operations.

How they save →

Realtors in Florida

Florida real estate agents and brokers who receive commission checks at closing, purchase their own health insurance and are dealing with substantial premium increases.

How they save →

Roofers in Florida

Florida roofing company owners, contractors managing crews and 1099 roofers who purchase their own health insurance while earnings fluctuate with storm activity.

How they save →

Small-business owners in Florida

Florida LLC owners, S-corp owners and people running small businesses who need health coverage for their households and, in some cases, a few employees.

How they save →

Solar installers in Florida

Solar installers throughout Florida who work through agencies, receive 1099 income or operate small installation companies and need to purchase their own health coverage.

How they save →

Tax preparers and bookkeepers in Florida

Florida bookkeepers, enrolled agents, and tax preparers who work for themselves, purchase their own health insurance, and earn their income seasonally.

How they save →

Tech contractors in Florida

Florida residents working as contract developers, IT specialists, or engineers for clients in any location who need to purchase their own health coverage.

How they save →

Therapists in private practice in Florida

Counselors, psychologists, and therapists throughout Florida who operate solo or small practices and pay for their own health insurance.

How they save →

Touring musicians and crews in Florida

Musicians, stagehands, lighting and audio technicians, and event production workers based in Florida who move between gigs and purchase their own insurance.

How they save →

Travel nurses in Florida

Nurses who maintain a home in Florida, take assignments across state lines and need insurance that works even as their contracts change.

How they save →

Truck drivers in Florida

Owner-operators who live in Florida, haul freight on routes throughout the country and are responsible for purchasing their own health insurance.

How they save →

Welders in Florida

For Florida fabricators, mobile welding contractors and 1099 welders who no longer have coverage through a shop or yard and must purchase their own health insurance.

How they save →

Georgia

Guides written for Georgia: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Georgia

Georgia residents purchasing their own coverage with earnings from one or more 1099s, either privately or through Georgia Access.

How they save →

Electricians in Georgia

For Georgia electricians and smaller electrical contractors who now insure their families after leaving an employer-sponsored group plan.

How they save →

General contractors and builders in Georgia

Georgia builders, general contractors and home remodeling business owners who purchase their own health insurance for themselves and their families.

How they save →

Heating and cooling technicians in Georgia

Self-employed HVAC technicians and AC contractors throughout Georgia who are responsible for purchasing their own health insurance.

How they save →

Plumbers and pipefitters in Georgia

Georgia plumbers and pipefitters running their own businesses or working on a 1099 who are responsible for their own medical insurance.

How they save →

Real estate investors in Georgia

Georgia property managers and real estate investors who purchase their own coverage using earnings from rental properties, sales or management work.

How they save →

Realtors in Georgia

Georgia real estate agents and brokers who earn commissions and purchase their own health coverage, whether through Georgia Access or directly from a private insurer.

How they save →

Small-business owners in Georgia

People operating Georgia LLCs, S-corps and small companies who are shopping for health insurance for themselves, their households and occasionally their employees.

How they save →

Travel nurses in Georgia

Nurses who live in Georgia between travel assignments and need health coverage that continues working when their contracts take them to other states.

How they save →

Truck drivers in Georgia

Georgia-based owner-operators and leased-on truck drivers who purchase their own health insurance while hauling port freight, regional loads and long-haul shipments.

How they save →

Illinois

Guides written for Illinois: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Illinois

Illinois 1099 contractors, especially Metro East residents who cross the Mississippi for Missouri clients, job sites and medical care.

How they save →

Electricians in Illinois

For Illinois electrical contractors and electricians throughout Chicago and Cook County who are responsible for purchasing their own health insurance.

How they save →

General contractors and builders in Illinois

For Illinois builders, remodelers and general contractors in DuPage County, Kane County and Chicago's western suburbs who handle their own health insurance.

How they save →

Heating and cooling technicians in Illinois

Heating and cooling business owners and HVAC technicians purchasing their own health coverage in Illinois's Peoria, Tazewell and Woodford counties.

How they save →

Plumbers and pipefitters in Illinois

For Illinois plumbers and shop owners buying their own health insurance in Champaign County and nearby downstate farming communities.

How they save →

Real estate investors in Illinois

Illinois landlords and property managers earning rental or sale income, particularly Quad Cities investors whose properties and medical providers extend into Iowa.

How they save →

Realtors in Illinois

Commission-based Illinois real estate agents, particularly those working around Chicago and Cook County, who purchase their own insurance privately or through Get Covered Illinois.

How they save →

Small-business owners in Illinois

Illinois owners of LLCs, S-corps and family-run companies purchasing household coverage, particularly in the downstate communities surrounding Peoria.

How they save →

Travel nurses in Illinois

Travel nurses who maintain an Illinois residence, particularly around Champaign-Urbana downstate, while accepting nursing assignments throughout the country.

How they save →

Truck drivers in Illinois

Owner-operators and leased-on drivers in Illinois who live near Joliet or elsewhere in Will County, haul freight along I-80, I-55 and I-57, and pay for their own health insurance.

How they save →

Indiana

Guides written for Indiana: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Indiana

Indiana residents earning income from one or more 1099 contracts whose slower periods may qualify them for the Healthy Indiana Plan.

How they save →

Electricians in Indiana

For Indiana electricians moving from factory, plant or RV-industry employment into their own licensed electrical businesses and health plans.

How they save →

General contractors and builders in Indiana

Indiana home builders, general contractors and remodeling business owners purchasing their own insurance, particularly those in the Indianapolis area.

How they save →

Heating and cooling technicians in Indiana

Self-employed heating and air conditioning technicians throughout Indiana who need to purchase health insurance for themselves.

How they save →

Plumbers and pipefitters in Indiana

Coverage guidance for Indiana plumbers and pipefitters starting businesses, from a financially tight first year through future growth.

How they save →

Real estate investors in Indiana

Indiana landlords, investors and property managers whose upcoming income could change depending on whether a property sale goes through.

How they save →

Realtors in Indiana

Indiana real estate agents and brokers who earn commission income, especially successful producers whose earnings exceed the marketplace premium credit range.

How they save →

Small-business owners in Indiana

Indiana business owners operating LLCs, S-corps and smaller companies, particularly where marketplace insurers and networks are limited.

How they save →

Travel nurses in Indiana

Nurses who call Indiana home but need health coverage that follows them while they work assignments across state lines.

How they save →

Truck drivers in Indiana

Indiana owner-operators and leased-on drivers who purchase their own insurance while hauling freight on I-65, I-69, I-70 and the Toll Road.

How they save →

Iowa

Guides written for Iowa: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Iowa

Iowa 1099 professionals, particularly those based in Council Bluffs or Pottawattamie County who work with Omaha clients and use Nebraska doctors.

How they save →

Electricians in Iowa

For Iowa electrical contractors and electricians serving industrial and commercial customers around Cedar Rapids and Linn County who purchase health coverage themselves.

How they save →

General contractors and builders in Iowa

For Iowa builders, remodelers and general contractors purchasing their own insurance in the Des Moines area, including Polk and Dallas counties.

How they save →

Heating and cooling technicians in Iowa

Heating and cooling contractors and HVAC business owners buying personal health coverage in Clay, Dickinson and other northwest Iowa counties.

How they save →

Plumbers and pipefitters in Iowa

For Iowa plumbing contractors and shop owners in Scott County and the Quad Cities purchasing health insurance for themselves.

How they save →

Real estate investors in Iowa

Iowa landlords and property managers earning money from rents and property sales, with particular attention to Ames student-housing investors.

How they save →

Realtors in Iowa

Iowa real estate agents who receive commissions at closing, particularly in the Des Moines area, and purchase coverage through HealthCare.gov or private insurers.

How they save →

Small-business owners in Iowa

Iowa LLC, S-corp and family-business owners seeking household health coverage, especially those living around the lakes in northwest Iowa.

How they save →

Travel nurses in Iowa

Nurses who maintain their primary home in Iowa, particularly around Iowa City, while accepting travel assignments across state lines.

How they save →

Truck drivers in Iowa

Owner-operators and leased-on truck drivers based around Council Bluffs and western Iowa who purchase their own insurance and travel I-80, I-29 and I-35.

How they save →

Kansas

Guides written for Kansas: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Kansas

Kansas residents earning 1099 income who may find themselves near the poverty line when business slows down.

How they save →

Electricians in Kansas

For Kansas electricians leaving employer coverage to run their own businesses, whether they work in Wichita's aviation facilities or smaller shops across the state.

How they save →

General contractors and builders in Kansas

Kansas builders, general contractors and home remodelers whose business profits fluctuate with hail damage and storm reconstruction work.

How they save →

Heating and cooling technicians in Kansas

Experienced Kansas heating and cooling business owners whose income exceeds subsidy limits and who purchase their own medical coverage.

How they save →

Plumbers and pipefitters in Kansas

For Kansas plumbers and pipefitters starting their own businesses and working out health coverage during a financially lean first year.

How they save →

Real estate investors in Kansas

Kansas City metro property owners and managers based in Kansas who also hold rental investments across the border in Missouri.

How they save →

Realtors in Kansas

Real estate agents and brokers across Kansas who earn commissions, particularly those living in counties served by just one or two marketplace insurers.

How they save →

Small-business owners in Kansas

Kansas residents stepping away from employment to operate their own businesses who need health insurance for both themselves and their families.

How they save →

Travel nurses in Kansas

Kansas-based travel nurses, particularly those living in western counties where only one insurer participates in the marketplace.

How they save →

Truck drivers in Kansas

Kansas-based owner-operators purchasing their own health coverage while transporting grain during harvest and hauling freight on I-70 and I-35 during the rest of the year.

How they save →

Kentucky

Guides written for Kentucky: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Kentucky

Kentucky 1099 workers, particularly those living in Northern Kentucky who frequently take contracts across the Ohio border.

How they save →

Electricians in Kentucky

For electricians across Kentucky, including Louisville, Lexington and the automotive manufacturing corridor, who are leaving contractor coverage to operate under their own licenses.

How they save →

General contractors and builders in Kentucky

For Kentucky contractors, home builders and renovation professionals purchasing their own insurance, whether they're in Louisville, Lexington or communities along the river.

How they save →

Heating and cooling technicians in Kentucky

Kentucky heating and cooling contractors purchasing full-price insurance while supporting a family member who requires continuing medical care.

How they save →

Plumbers and pipefitters in Kentucky

For self-insured Kentucky plumbers and pipefitters working throughout Louisville, Lexington and communities along the Ohio River.

How they save →

Real estate investors in Kentucky

Landlords and property managers in Kentucky whose taxable earnings move above and below the Medicaid and premium credit thresholds.

How they save →

Realtors in Kentucky

Commission-earning Kentucky real estate agents and brokers purchasing coverage themselves, either privately or through kynect.

How they save →

Small-business owners in Kentucky

Kentucky LLC owners, S-corp operators, and small-business owners purchasing full-price health coverage for their spouses and children.

How they save →

Travel nurses in Kentucky

Travel nurses who live in Kentucky but need their insurance to remain useful while accepting contracts in other states across the country.

How they save →

Truck drivers in Kentucky

Kentucky owner-operators who buy their own health insurance, including Louisville-area air freight drivers and long-haul truckers traveling I-64, I-65 and I-75.

How they save →

Louisiana

Guides written for Louisiana: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Louisiana

Louisiana residents earning 1099 income, particularly around Shreveport-Bossier, who frequently travel to Texas and Arkansas for contracts.

How they save →

Electricians in Louisiana

For Louisiana electricians buying their own insurance while handling industrial and plant projects in East Baton Rouge, Ascension and Iberville parishes.

How they save →

General contractors and builders in Louisiana

For contractors, home builders and remodeling professionals throughout Calcasieu Parish and Southwest Louisiana who purchase their own health insurance.

How they save →

Heating and cooling technicians in Louisiana

Self-employed AC and HVAC contractors purchasing their own medical coverage in Louisiana's Terrebonne and Lafourche parishes.

How they save →

Plumbers and pipefitters in Louisiana

For Louisiana plumbing contractors and shop owners in Orleans and Jefferson parishes purchasing their own medical insurance.

How they save →

Real estate investors in Louisiana

Property managers and rental investors across Louisiana, particularly Lake Charles and Calcasieu Parish, who earn income through rent and property sales.

How they save →

Realtors in Louisiana

Louisiana real estate agents earning commissions at closing, particularly those working on the Northshore, who arrange their own insurance through HealthCare.gov or a private carrier.

How they save →

Small-business owners in Louisiana

Louisiana family-business operators, including LLC and S-corp owners, particularly around Baton Rouge, seeking health insurance for everyone at home.

How they save →

Travel nurses in Louisiana

Travel nurses who maintain their home in Louisiana, particularly Lafayette and the Acadiana region, while working contracts in other states.

How they save →

Truck drivers in Louisiana

This is for Louisiana owner-operators and leased-on truck drivers living near Shreveport or Bossier City, hauling freight along I-20, I-49 and I-10, and paying for their own health insurance.

How they save →

Maryland

Guides written for Maryland: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Maryland

Maryland 1099 contractors, especially those based in Western Maryland who routinely work across Pennsylvania and West Virginia.

How they save →

Electricians in Maryland

For Maryland electricians and electrical contractors based in Montgomery and Prince George's counties, handling federal and DC-area projects while providing their own health coverage.

How they save →

General contractors and builders in Maryland

For Maryland contractors, builders and remodeling businesses buying their own insurance along the Eastern Shore, including Salisbury and Ocean City.

How they save →

Heating and cooling technicians in Maryland

Heating and cooling business owners and HVAC technicians in Maryland's Hagerstown area and Washington County who purchase their own health insurance.

How they save →

Plumbers and pipefitters in Maryland

For Maryland plumbers and plumbing business owners in Baltimore City and Baltimore County who purchase their own health plans.

How they save →

Real estate investors in Maryland

Maryland landlords and property managers earning money from rentals and sales, particularly in Annapolis and Anne Arundel County.

How they save →

Realtors in Maryland

Maryland real estate agents who earn their income at closing, particularly those working in the DC suburbs, and purchase coverage privately or through Maryland Health Connection.

How they save →

Small-business owners in Maryland

Maryland owners of LLCs, S-corps, and family businesses, particularly seasonal Eastern Shore operations, who purchase their household's health insurance.

How they save →

Travel nurses in Maryland

Travel nurses who maintain a Maryland residence, particularly in Baltimore, while accepting nursing contracts in states outside Maryland.

How they save →

Truck drivers in Maryland

This is for Maryland owner-operators and leased-on drivers working around the Port of Baltimore and along I-95 who are responsible for buying their own medical insurance.

How they save →

Michigan

Guides written for Michigan: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Michigan

Michigan residents receiving 1099 income, especially West Michigan contractors whose work and customers extend beyond Michigan's borders.

How they save →

Electricians in Michigan

For Michigan electrical contractors in Wayne, Oakland and Macomb counties who are responsible for purchasing their own health insurance.

How they save →

General contractors and builders in Michigan

For Michigan contractors and residential builders purchasing their own health insurance throughout Kent, Ottawa and Muskegon counties.

How they save →

Heating and cooling technicians in Michigan

Self-employed HVAC technicians and heating and cooling contractors serving Midland, Saginaw and Bay City, Michigan, who need their own health coverage.

How they save →

Plumbers and pipefitters in Michigan

For Michigan plumbing contractors and business owners across the Upper Peninsula, from Marquette through the Keweenaw, purchasing their own insurance.

How they save →

Real estate investors in Michigan

Metro Detroit property owners and managers who purchase their own health insurance and earn through rent, property flips or sales.

How they save →

Realtors in Michigan

Michigan real estate agents who receive commissions at closing, especially those around Traverse City, and purchase their own insurance privately or through HealthCare.gov.

How they save →

Small-business owners in Michigan

Michigan LLC owners, S-corp operators, and family businesses seeking household health coverage, whether they employ other people or not.

How they save →

Travel nurses in Michigan

Nurses who call Michigan home, particularly the Upper Peninsula, but travel long distances for nursing contracts in other states.

How they save →

Truck drivers in Michigan

This is for Michigan owner-operators and leased-on drivers based near Detroit and Port Huron who haul freight across the border and throughout the Midwest while purchasing their own health insurance.

How they save →

Mississippi

Guides written for Mississippi: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Mississippi

Mississippi 1099 workers whose annual earnings might approach the poverty line during a difficult business year.

How they save →

Electricians in Mississippi

For electricians across Mississippi, particularly the Gulf Coast, moving from employee positions at shipyards or plants into 1099 contracting.

How they save →

General contractors and builders in Mississippi

For Mississippi builders, remodeling businesses and general contractors purchasing their own coverage, whether along the Gulf Coast or around Jackson.

How they save →

Heating and cooling technicians in Mississippi

Mississippi air conditioning contractors and HVAC technicians whose businesses earn most of their income during summer, with slower winter months.

How they save →

Plumbers and pipefitters in Mississippi

Mississippi plumbers and pipefitters starting their own businesses who need to purchase health insurance for themselves and their families.

How they save →

Real estate investors in Mississippi

Property investors and managers throughout Mississippi, including Oxford student housing and Gulf Coast rentals, with fluctuating annual earnings.

How they save →

Realtors in Mississippi

Mississippi real estate agents and brokers earning commission income, particularly higher-producing agents whose earnings exceed the marketplace tax credit range.

How they save →

Small-business owners in Mississippi

Mississippi small-business operators, including LLC and S-corp owners, with particular attention to those in DeSoto County near Memphis.

How they save →

Travel nurses in Mississippi

Nurses who maintain their home address in Mississippi while needing health coverage that follows them to assignments across state lines.

How they save →

Truck drivers in Mississippi

This is for Mississippi owner-operator driving teams, frequently married couples, who haul together along I-55, I-20 and I-10 and pay for their own medical coverage.

How they save →

Missouri

Guides written for Missouri: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Missouri

Missouri 1099 workers who frequently cross into neighboring Kansas or Illinois to complete their contracts.

How they save →

Electricians in Missouri

For Missouri electricians buying their own insurance while opening shops, from residential rewiring in St. Louis to new construction around Springfield.

How they save →

General contractors and builders in Missouri

For Missouri home builders, general contractors and remodeling professionals purchasing their own insurance between Kansas City and St. Louis.

How they save →

Heating and cooling technicians in Missouri

Missouri heating and cooling contractors and HVAC technicians expanding beyond a one-truck operation into a business with a small crew.

How they save →

Plumbers and pipefitters in Missouri

Missouri plumbers and pipefitters moving off employer group insurance to become shop owners or take 1099 plumbing jobs.

How they save →

Real estate investors in Missouri

Missouri landlords and property managers whose reported earnings change with property sales, maintenance costs and depreciation.

How they save →

Realtors in Missouri

Commission-based Missouri real estate agents and brokers, particularly newer agents seeing their earnings increase from year to year.

How they save →

Small-business owners in Missouri

Missouri LLC owners, S-corp owners and small-business operators paying the full premium to insure their spouses and children.

How they save →

Travel nurses in Missouri

Travel nurses who maintain a home address in Missouri but need their insurance to cover them while working assignments in other states.

How they save →

Truck drivers in Missouri

This is for Missouri owner-operators and leased-on truckers hauling regional or long-distance freight who purchase their own medical insurance.

How they save →

Montana

Guides written for Montana: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Montana

Montana 1099 workers, particularly those near Billings who regularly travel for jobs in Wyoming and the Dakotas.

How they save →

Electricians in Montana

For electrical contractors in Richland County and elsewhere in eastern Montana who purchase their own insurance while working on ranches, oilfields and commercial properties.

How they save →

General contractors and builders in Montana

For contractors, residential builders and remodelers buying their own health coverage in Montana's Gallatin County and greater Bozeman area.

How they save →

Heating and cooling technicians in Montana

Self-employed heating and cooling contractors and HVAC technicians serving Billings and Yellowstone County, Montana, who purchase their own insurance.

How they save →

Plumbers and pipefitters in Montana

Plumbers and shop owners across Missoula County and Western Montana who purchase their own health insurance.

How they save →

Real estate investors in Montana

Montana rental property owners and managers, especially Park County short-term landlords, who earn through property rentals and sales.

How they save →

Realtors in Montana

Real estate agents in Montana, particularly Bozeman and Gallatin County, who earn commissions at closing and purchase coverage themselves through HealthCare.gov or privately.

How they save →

Small-business owners in Montana

Montana LLC owners, S-corp owners and family-business operators, particularly around the Bitterroot Valley, shopping for household health insurance.

How they save →

Travel nurses in Montana

Nurses who call Montana home, particularly those based around Kalispell and the Flathead Valley, while taking nursing assignments in other states.

How they save →

Truck drivers in Montana

This is for Montana owner-operators and leased-on drivers based around Butte in Silver Bow County, hauling on I-90 and I-15 while paying for their own health coverage.

How they save →

Nebraska

Guides written for Nebraska: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Nebraska

Nebraska 1099 contractors, particularly Dakota County residents who work with Iowa clients and visit doctors across the river.

How they save →

Electricians in Nebraska

Electricians in Grand Island and Hall County, Nebraska, who have recently left or are preparing to leave a contractor's shop to operate under their own license and handle their own health insurance.

How they save →

General contractors and builders in Nebraska

For Nebraska general contractors and custom residential builders purchasing family coverage throughout Sarpy County, including Bellevue, Gretna, La Vista and Papillion.

How they save →

Heating and cooling technicians in Nebraska

HVAC contractors and heating and cooling business owners around Hastings and Adams County, Nebraska, who need health insurance for themselves and their families.

How they save →

Plumbers and pipefitters in Nebraska

Plumbers and small plumbing businesses in Columbus and Platte County, Nebraska, balancing winter frozen-pipe repairs with summer farm and construction work.

How they save →

Real estate investors in Nebraska

Nebraska landlords and property managers who earn through rents and sales, particularly around Lincoln and Lancaster County.

How they save →

Realtors in Nebraska

Real estate professionals in Nebraska, particularly Omaha and Douglas County, whose income comes from closings and who purchase their own insurance privately or through HealthCare.gov.

How they save →

Small-business owners in Nebraska

Nebraska LLC owners, S-corp owners and family-business operators, particularly across the Panhandle, looking to insure their households.

How they save →

Travel nurses in Nebraska

Travel nurses whose home is in Nebraska, particularly Kearney and the central part of the state, but whose assignments take them across state lines.

How they save →

Truck drivers in Nebraska

This is for Nebraska owner-operators and leased-on truckers living in North Platte or Lincoln County, driving I-80 and paying for their own medical insurance.

How they save →

Nevada

Guides written for Nevada: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Nevada

Nevada 1099 workers in Washoe, Douglas and Carson City who frequently travel into California for their contracts.

How they save →

Electricians in Nevada

Electricians across Nevada who work on major casino, resort and commercial jobs, moving from project to project or opening their own electrical business between contracts.

How they save →

General contractors and builders in Nevada

General contractors, remodelers and home builders throughout Nevada, including Las Vegas, Henderson and Reno, who purchase their own health insurance.

How they save →

Heating and cooling technicians in Nevada

Nevada air conditioning contractors and HVAC technicians working in desert conditions who purchase their own medical insurance.

How they save →

Plumbers and pipefitters in Nevada

Nevada plumbers and pipefitters who operate their own business or work as 1099 contractors and purchase insurance privately or through Nevada Health Link.

How they save →

Real estate investors in Nevada

Property managers and investors who divide their time between Nevada and another state during the year.

How they save →

Realtors in Nevada

Real estate agents and brokers throughout Nevada who earn commissions and purchase their own health coverage privately or through Nevada Health Link.

How they save →

Small-business owners in Nevada

Nevada LLC owners, S-corp owners and small-business operators comparing household insurance, including the newly introduced Battle Born State Plans.

How they save →

Travel nurses in Nevada

Travel nurses who live in Nevada, including rural places such as Elko, and need coverage that works when assignments take them to other states.

How they save →

Truck drivers in Nevada

For Nevada owner-operators buying their own health insurance, hauling along I-15 or I-80, including Las Vegas port trips and long-haul freight from Reno.

How they save →

North Carolina

Guides written for North Carolina: its marketplace, its prices, and what that means for your line of work.

1099 contractors in North Carolina

North Carolina 1099 contractors near Charlotte whose customers and work locations extend across the border into South Carolina.

How they save →

Electricians in North Carolina

Electrical contractors and electricians throughout Wake, Durham and Johnston counties in North Carolina who are responsible for purchasing their own health insurance.

How they save →

General contractors and builders in North Carolina

Home builders and general contractors buying their own health insurance in North Carolina, particularly around Charlotte, Concord and Monroe.

How they save →

Heating and cooling technicians in North Carolina

Heating and cooling business owners and HVAC technicians working along North Carolina's coast, including Morehead City and the Outer Banks.

How they save →

Plumbers and pipefitters in North Carolina

Plumbers and plumbing business owners in Boone, Asheville and western North Carolina who pay for their own medical insurance.

How they save →

Real estate investors in North Carolina

North Carolina property owners and managers earning money from rentals, property sales or management work, particularly coastal vacation-rental investors.

How they save →

Realtors in North Carolina

North Carolina real estate agents, particularly those working along the southern coast, who receive commissions at closing and buy coverage privately or through HealthCare.gov.

How they save →

Small-business owners in North Carolina

North Carolina LLC owners, S-corp owners and small-shop operators, especially in mountain communities, seeking family insurance whether they employ staff or not.

How they save →

Travel nurses in North Carolina

North Carolina travel nurses who maintain a home in the Triangle or elsewhere in the state while accepting nursing assignments across state lines.

How they save →

Truck drivers in North Carolina

I work with North Carolina owner-operators and leased-on truckers near Greensboro and Burlington who purchase their own medical coverage.

How they save →

Ohio

Guides written for Ohio: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Ohio

Ohio residents earning income from one or several 1099s who must purchase coverage through a marketplace offering only HMOs.

How they save →

Electricians in Ohio

Electricians and smaller electrical businesses in Ohio that no longer have a contractor's group insurance and must provide health coverage for their own families.

How they save →

General contractors and builders in Ohio

Ohio home builders, remodelers and general contractors who own their businesses and purchase health insurance for themselves and their families.

How they save →

Heating and cooling technicians in Ohio

Self-employed heating and cooling contractors and HVAC technicians across Ohio who are responsible for purchasing their own health insurance.

How they save →

Plumbers and pipefitters in Ohio

Ohio plumbing business owners, pipefitters and 1099 contractors who purchase their own health insurance.

How they save →

Real estate investors in Ohio

Ohio landlords, investors and property managers who earn from rent, sales or management services and pay for their own insurance.

How they save →

Realtors in Ohio

Commission-based real estate agents and brokers in Ohio who purchase their own health insurance from a marketplace offering only HMO plans.

How they save →

Small-business owners in Ohio

Ohio LLC owners, S-corp owners and small-shop operators shopping for coverage for themselves, family members and, in some cases, employees.

How they save →

Travel nurses in Ohio

Ohio-based travel nurses who move between assignments and need their health coverage to remain useful when working across state lines.

How they save →

Truck drivers in Ohio

This is for Ohio-based owner-operators and leased-on truckers who purchase their own health insurance while hauling regional or long-distance freight.

How they save →

Oklahoma

Guides written for Oklahoma: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Oklahoma

Oklahoma 1099 earners, especially Tulsa-area field contractors who frequently travel to work locations outside the state.

How they save →

Electricians in Oklahoma

Electricians and electrical business owners serving the oil and gas industry in Custer County and western Oklahoma who purchase their own health insurance.

How they save →

General contractors and builders in Oklahoma

Builders, general contractors and remodelers purchasing their own insurance in Cleveland County and the southern Oklahoma City metropolitan area.

How they save →

Heating and cooling technicians in Oklahoma

Self-employed HVAC technicians and heating and cooling business owners buying coverage in Oklahoma County and the greater Oklahoma City area.

How they save →

Plumbers and pipefitters in Oklahoma

Plumbers and plumbing business owners buying their own health insurance in Tulsa County, Oklahoma, and nearby suburbs.

How they save →

Real estate investors in Oklahoma

Oklahoma property owners and managers earning income through rentals and sales, particularly Grand Lake vacation-rental investors.

How they save →

Realtors in Oklahoma

Oklahoma real estate agents, especially those serving the Oklahoma City metro, who earn commissions at closing and purchase coverage privately or through HealthCare.gov.

How they save →

Small-business owners in Oklahoma

Oklahoma business owners with LLCs, S-corps or family-run companies, particularly in the Stillwater area, who need health coverage for everyone at home.

How they save →

Travel nurses in Oklahoma

Oklahoma travel nurses, particularly those based around Lawton and southwest Oklahoma, who maintain a home in the state while working contracts elsewhere.

How they save →

Truck drivers in Oklahoma

I help Oklahoma owner-operators and leased-on truckers based near Yukon, Mustang and El Reno who drive I-40, I-35 and I-44 and pay for their own health plans.

How they save →

South Carolina

Guides written for South Carolina: its marketplace, its prices, and what that means for your line of work.

1099 contractors in South Carolina

South Carolina 1099 earners around Aiken and North Augusta whose jobs and medical appointments regularly take them into Georgia.

How they save →

Electricians in South Carolina

Electricians and electrical contractors in South Carolina's Spartanburg and Greenville counties who work on commercial or industrial projects and purchase their own insurance.

How they save →

General contractors and builders in South Carolina

Charleston-area builders, remodelers and general contractors buying their own insurance in South Carolina, including Summerville and Mount Pleasant.

How they save →

Heating and cooling technicians in South Carolina

Grand Strand HVAC technicians and air conditioning business owners in South Carolina's Horry and Georgetown counties who purchase their own insurance.

How they save →

Plumbers and pipefitters in South Carolina

Plumbers and plumbing shop owners in South Carolina's Greenville and Pickens counties who purchase their own health insurance.

How they save →

Real estate investors in South Carolina

South Carolina rental-property investors and managers earning from rents or sales, with particular focus on Grand Strand vacation properties.

How they save →

Realtors in South Carolina

South Carolina real estate agents, particularly around Charleston, who earn commissions at closing and purchase their own coverage privately or on HealthCare.gov.

How they save →

Small-business owners in South Carolina

South Carolina owners of LLCs, S-corps and family-operated stores, particularly around Columbia, who are shopping for health insurance to cover their households.

How they save →

Travel nurses in South Carolina

South Carolina travel nurses, particularly those living around Greenville and the Upstate, who keep their home address while accepting nursing contracts in other states.

How they save →

Truck drivers in South Carolina

This is for South Carolina owner-operators and leased-on drivers near North Charleston and Goose Creek who purchase their own coverage while hauling port freight along I-26, I-95 and I-85.

How they save →

South Dakota

Guides written for South Dakota: its marketplace, its prices, and what that means for your line of work.

1099 contractors in South Dakota

South Dakota workers transitioning to 1099 income, particularly in Rapid City and the Black Hills, where earnings rise and fall with tourism.

How they save →

Electricians in South Dakota

Electricians and small electrical contractors around Sioux Falls, Minnehaha County and nearby growing South Dakota communities who purchase health coverage for their families.

How they save →

General contractors and builders in South Dakota

General contractors and remodelers purchasing family health coverage around Rapid City, Pennington County and South Dakota's Black Hills.

How they save →

Heating and cooling technicians in South Dakota

South Dakota heating and cooling shop owners and HVAC technicians buying their own insurance in Pierre, Fort Pierre and Hughes County.

How they save →

Plumbers and pipefitters in South Dakota

Plumbers and small plumbing businesses in Aberdeen and Brown County, South Dakota, balancing frozen-pipe emergencies, farm jobs and new builds throughout the year.

How they save →

Real estate investors in South Dakota

South Dakota property investors relying on rental earnings, particularly landlords in Yankton and southeastern Missouri River communities.

How they save →

Realtors in South Dakota

Real estate agents throughout South Dakota, particularly those in Sioux Falls and Minnehaha and Lincoln counties, earning commissions at closing and paying for their own health insurance.

How they save →

Small-business owners in South Dakota

Owners of service companies and small shops across South Dakota, particularly in Brookings and the surrounding agricultural communities in the eastern part of the state.

How they save →

Travel nurses in South Dakota

Travel nurses with a family and home in South Dakota, particularly around Pierre and central South Dakota, who regularly leave the state for nursing assignments.

How they save →

Truck drivers in South Dakota

This is for owner-operators and leased-on drivers living in Watertown or Codington County, South Dakota, who purchase their own health insurance and haul freight along I-29 and I-90.

How they save →

Tennessee

Guides written for Tennessee: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Tennessee

Tennessee residents earning income through one or several 1099 contracts who purchase their own insurance and want protection during slower work periods.

How they save →

Electricians in Tennessee

Electricians across Tennessee moving from a contractor's group coverage to their own health plan as they begin working under their own license.

How they save →

General contractors and builders in Tennessee

Tennessee builders, remodelers and general contractors purchasing their own health insurance, particularly those working near Nashville.

How they save →

Heating and cooling technicians in Tennessee

Self-employed heating and cooling contractors and HVAC technicians across Tennessee, including Memphis and Knoxville, purchasing their own health plans.

How they save →

Plumbers and pipefitters in Tennessee

Tennessee plumbers and pipefitters starting businesses or taking 1099 jobs who need health insurance during a potentially slow first year.

How they save →

Real estate investors in Tennessee

Tennessee rental-property owners, investors and managers earning from rent or sales who purchase their own health insurance.

How they save →

Realtors in Tennessee

Tennessee real estate agents and brokers earning commissions who purchase their own health insurance in a marketplace offering only EPO plans.

How they save →

Small-business owners in Tennessee

Tennessee owners of LLCs, S-corps and smaller companies who need coverage for their spouses, children and, in some cases, a small group of employees.

How they save →

Travel nurses in Tennessee

Travel nurses who maintain their home address in Tennessee while needing medical insurance that works in the other states where their assignments take them.

How they save →

Truck drivers in Tennessee

I'm talking to Tennessee owner-operators and leased-on drivers who purchase their own health insurance, whether they're hauling out of the Memphis freight hub, Nashville or elsewhere in the state.

How they save →

Texas

Guides written for Texas: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Texas

Texas workers earning one or multiple 1099 payments who purchase their own insurance despite limited Medicaid eligibility and no marketplace PPO options.

How they save →

Electricians in Texas

Electricians and smaller electrical contracting businesses in Texas that have moved off an employer's group plan and now cover their families themselves.

How they save →

General contractors and builders in Texas

Self-employed general contractors, residential builders and remodeling business owners in Texas who purchase their own family health insurance.

How they save →

Heating and cooling technicians in Texas

Self-employed air conditioning contractors and HVAC technicians throughout Texas who need to purchase health insurance for themselves.

How they save →

Plumbers and pipefitters in Texas

Texas plumbers and pipefitters who run their own businesses or take 1099 contracts and pay for their household health insurance.

How they save →

Real estate investors in Texas

Texas landlords, property managers and investors supported by rental income, property sales or management work who need personal coverage.

How they save →

Realtors in Texas

Texas real estate agents and brokers earning commissions who need to purchase their own health coverage, with no PPO options available through the state's marketplace.

How they save →

Small-business owners in Texas

Texas owners of LLCs, S-corps and small companies who need insurance for themselves, their households and occasionally a few employees.

How they save →

Travel nurses in Texas

Travel nurses based in Texas who need health coverage that follows them across state lines, even as their insurance changes from one contract to another.

How they save →

Truck drivers in Texas

For Texas owner-operators and leased-on truck drivers who handle long-distance freight routes and purchase health insurance for themselves and their families.

How they save →

Utah

Guides written for Utah: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Utah

Utah residents earning 1099 income who travel statewide for work while living in rural counties with few marketplace insurance choices.

How they save →

Electricians in Utah

For Utah electricians across the Wasatch Front moving from a contractor's group health coverage to working under their own license.

How they save →

General contractors and builders in Utah

General contractors, construction business owners and remodelers throughout Utah, particularly St. George and southern Utah, who purchase their own health plans.

How they save →

Heating and cooling technicians in Utah

Heating and cooling business owners and established HVAC contractors across Utah's Wasatch Front who pay for their own health insurance without premium help.

How they save →

Plumbers and pipefitters in Utah

Plumbers and pipefitters purchasing their own coverage in rural and central Utah, where marketplace insurance choices are limited.

How they save →

Real estate investors in Utah

Utah property investors who own vacation rentals or long-term rentals and see their income change throughout the year.

How they save →

Realtors in Utah

Utah real estate agents and brokers earning commissions, particularly those working in resort markets and traveling across several states to serve their clients.

How they save →

Small-business owners in Utah

Utah business owners operating LLCs, S-corps or smaller shops, especially in southern Utah where visiting a medical specialist may require considerable travel.

How they save →

Travel nurses in Utah

Travel nurses who maintain their primary home in Utah and need insurance that remains useful wherever their assignments take them across state lines.

How they save →

Truck drivers in Utah

For Utah owner-operators and leased-on truckers who purchase their own insurance, operate out of the Salt Lake area and regularly travel I-15, I-80 and I-84.

How they save →

Virginia

Guides written for Virginia: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Virginia

Virginia residents earning income from one or several 1099 contracts who purchase health insurance privately or through the state's marketplace.

How they save →

Electricians in Virginia

Electricians and smaller electrical contractors throughout Virginia who no longer have employer group insurance and now purchase coverage for their families.

How they save →

General contractors and builders in Virginia

Virginia construction company owners, general contractors, residential builders and remodelers responsible for purchasing their households' health insurance.

How they save →

Heating and cooling technicians in Virginia

Self-employed heating and cooling technicians and HVAC business owners throughout Virginia who are responsible for buying their own health coverage.

How they save →

Plumbers and pipefitters in Virginia

Virginia plumbers and pipefitters who started businesses or began 1099 contracting and now purchase health insurance themselves.

How they save →

Real estate investors in Virginia

Virginia landlords, property managers and investors who earn money through rent, property sales or management services and pay for their own health plans.

How they save →

Realtors in Virginia

Virginia real estate agents and brokers who earn commissions and purchase their own health insurance, either privately or through the state's marketplace.

How they save →

Small-business owners in Virginia

Virginia LLC owners, S-corp owners and small-shop operators looking to insure themselves, their households and, in some cases, their employees.

How they save →

Travel nurses in Virginia

Travel nurses whose primary residence is in Virginia and who need health insurance that works across states while their assignments and coverage arrangements change.

How they save →

Truck drivers in Virginia

For owner-operators and leased-on drivers living in Virginia who purchase their own medical coverage and handle regional routes or longer interstate hauls.

How they save →

West Virginia

Guides written for West Virginia: its marketplace, its prices, and what that means for your line of work.

1099 contractors in West Virginia

West Virginia 1099 workers, particularly younger Morgantown contractors choosing their first policy after leaving a parent's health coverage.

How they save →

Electricians in West Virginia

Electricians from Morgantown and Monongalia County, West Virginia, who lost jobs with smaller contractors and have started working under their own licenses.

How they save →

General contractors and builders in West Virginia

Construction business owners and general contractors in West Virginia's Eastern Panhandle, including Martinsburg and Berkeley County, whose households receive medical care in Maryland or Virginia.

How they save →

Heating and cooling technicians in West Virginia

HVAC contractors and small heating and cooling businesses around Beckley, Raleigh County and West Virginia's southern coalfields dealing with lower earnings during slow years.

How they save →

Plumbers and pipefitters in West Virginia

West Virginia plumbers around Charleston, Kanawha County and the Kanawha Valley, in their fifties and purchasing insurance for themselves and their spouses.

How they save →

Real estate investors in West Virginia

West Virginia rental-property investors, particularly cabin owners near Fayetteville and the New River Gorge, who depend on rent for income.

How they save →

Realtors in West Virginia

West Virginia real estate agents earning commissions at closing, especially those in Jefferson and Berkeley counties who serve buyers moving from the Washington metropolitan area.

How they save →

Small-business owners in West Virginia

Owners of West Virginia shops and service companies, particularly in Parkersburg and throughout the Mid-Ohio Valley, who purchase their own health insurance.

How they save →

Travel nurses in West Virginia

Travel nurses who maintain their home in West Virginia, particularly around Huntington and the Tri-State area, while accepting assignments across state borders.

How they save →

Truck drivers in West Virginia

This is for West Virginia owner-operators and leased-on truckers based in Harrison County, Bridgeport or Clarksburg, hauling natural gas loads or traveling I-79 and I-70.

How they save →

Wisconsin

Guides written for Wisconsin: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Wisconsin

Wisconsin residents earning 1099 income, particularly around St. Croix and Pierce counties, who regularly serve clients across the river in the Twin Cities.

How they save →

Electricians in Wisconsin

Electrical contractors and electricians in Wisconsin's Brown County and Fox Valley who handle commercial or industrial projects and purchase their own insurance.

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General contractors and builders in Wisconsin

Builders, remodeling company owners and general contractors around Madison and Dane County, Wisconsin, who pay for their households' health coverage.

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Heating and cooling technicians in Wisconsin

Heating and cooling business owners and HVAC technicians buying their own insurance in Wisconsin's St. Croix, Pierce and Polk counties.

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Plumbers and pipefitters in Wisconsin

Plumbers and plumbing business owners throughout Milwaukee County and nearby Wisconsin suburbs who purchase their own medical insurance.

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Real estate investors in Wisconsin

Wisconsin property managers and investors earning income from rentals or sales, with particular attention to vacation properties near Lake Geneva.

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Realtors in Wisconsin

Real estate agents across Wisconsin, particularly Madison and Dane County, who earn commissions at closing and purchase their own health insurance privately or through HealthCare.gov.

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Small-business owners in Wisconsin

Wisconsin owners of LLCs, S-corps and family-operated companies, particularly around Green Bay, who need health coverage for their households.

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Travel nurses in Wisconsin

Travel nurses who maintain a Wisconsin residence, particularly around Milwaukee, while taking nursing assignments across state lines throughout the year.

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Truck drivers in Wisconsin

For Wisconsin owner-operators and leased-on truckers based around the Chippewa Valley and Eau Claire, traveling I-94, I-43 and I-90 while paying for their own health plans.

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Wyoming

Guides written for Wyoming: its marketplace, its prices, and what that means for your line of work.

1099 contractors in Wyoming

Wyoming residents starting out with 1099 earnings, particularly near Laramie and the university, who need to purchase their own health insurance.

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Electricians in Wyoming

Self-employed electricians in Gillette and Campbell County, Wyoming, serving mining operations, oil and gas companies and local businesses while purchasing their own health coverage.

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General contractors and builders in Wyoming

Custom home builders and general contractors in Jackson and Teton County, Wyoming, who purchase family health coverage through a marketplace served by one insurer.

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Heating and cooling technicians in Wyoming

For Wyoming heating and cooling technicians and HVAC shop owners in Cheyenne and Laramie County whose households also receive medical care in Denver and Fort Collins.

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Plumbers and pipefitters in Wyoming

Wyoming plumbers around Casper and Natrona County who recently started their own businesses and need to purchase individual health insurance for the first time.

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Real estate investors in Wyoming

Wyoming property investors and landowners earning from rental homes, land leases and mineral rights, particularly in Douglas and Converse County.

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Realtors in Wyoming

Wyoming real estate professionals earning commissions at closing, particularly those working around Sheridan and the Bighorn foothills, who are responsible for purchasing their own medical coverage.

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Small-business owners in Wyoming

Wyoming small-business and seasonal-business owners, particularly those in Cody and communities near Yellowstone, who purchase health insurance for their families.

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Travel nurses in Wyoming

Travel nurses who maintain their residence in Wyoming, particularly near Evanston and the southwestern Utah border, while working assignments in other states.

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Truck drivers in Wyoming

This is for Wyoming owner-operators and leased-on truckers around Sweetwater County, Green River and Rock Springs who drive I-80 and pay for their own health insurance.

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Don't see your work here?

I help self-employed people across all kinds of industries in 36 states. Let me know what you do for work and how much you're currently paying, and I'll help you figure out which coverage direction is worth getting prices on.