If you're a freelancer, 1099 contractor, or business owner, you still need health coverage. And you've got actual choices for getting insured.
Straight talk, no marketplace jargon.
When you lose existing coverage, you qualify for a special enrollment window. Many plans also remain available throughout the year, meaning a mid-year change doesn't necessarily leave you waiting.
Healthcare.gov isn't the only place where health insurance coverage is available. If marketplace plans don't fit what you're looking for, there may be other worthwhile coverage choices that people frequently overlook when shopping for insurance.
Your self-employed health insurance premiums might qualify for a tax deduction, so check with your accountant. This could make a substantial difference in what coverage actually costs you.
Your health history doesn't determine whether an ACA insurer will accept you or what premium you'll be charged. These plans cannot refuse coverage or raise prices because of medical conditions, whether you're currently uninsured or moving from another policy.
What self-employed people ask most.
Absolutely, yes. Contractors, freelancers, and people working on a 1099 purchase their own health insurance all the time. Try the quick quiz to find out which coverage choices are available for your circumstances.
You don't necessarily need to wait. Losing previous insurance or experiencing another qualifying life event can give you a special enrollment window, even in the middle of the year. Other plans may also be available outside those periods. The quiz can help you identify the choices that apply to you.
The price of health insurance for someone who works for themselves varies with age, location, and the benefits selected. Comparing actual plans is important because the costs can differ. Your income also matters, since qualifying for federal subsidies may bring your monthly premium down considerably.
There's a good chance, but your accountant or tax professional should confirm it for your situation. A health insurance deduction is available for self-employed individuals and can provide meaningful savings. The way your business is structured matters, so review the details with your tax advisor.
Since 2014, ACA health plans have been prohibited from denying applicants or charging higher premiums because of medical conditions. That means your previous health issues won't prevent you from enrolling, even if you currently have no health insurance.
Spend about 3 minutes answering a handful of questions to explore the coverage available to you, including private plans and options with or without subsidies.
Start the quiz → Or call 813-999-0101Learn more about your situation