Licensed advisors in all 50 states
Guide

The Self-Employed Health Insurance Guide

How freelancers, contractors and business owners actually get covered — the four options, the tax deduction, and what to do about variable income.

  • Pre-existing conditions covered
  • Enroll any day of the year
  • One licensed advisor, no pressure
  • No cost to talk it through
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Let's find your coverage

Start with your state.

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Plans from nationally recognized carriers

Carriers include UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield, Humana, Anthem, Allstate Health, Oscar.

At A Glance

What a private PPO can do that most plans can't.

Pre-existing conditions covered

An advisor tells you straight which plans will take your health history.

Enroll any day of the year

No six-week window. Coverage can start when you need it to.

Broad nationwide PPO networks

Keep your own doctor in most cases and stay covered across state lines.

Never sold to third parties

Your details go to one licensed advisor — no lead resale, no robocalls.

When you work for yourself, nobody splits the premium with you. That changes which options make sense, and it changes the math on all of them.

Your four options, in the order worth checking

A spouse's employer plan if one exists. Medicaid if your income qualifies. A subsidized marketplace plan. A private PPO.

Most self-employed people jump straight to the marketplace, see the unsubsidized number, and stop. That is the expensive mistake.

The subsidy cliff is the whole game

ACA premium tax credits taper with income. Just below the threshold, the marketplace is excellent value. Just above it, you pay the full unsubsidized premium and it stings.

If you are near that line, estimate your year carefully — and check both paths rather than assuming.

The self-employed health insurance deduction

If you're self-employed and not eligible for an employer-subsidized plan, premiums are generally deductible above the line — which changes the effective cost of every option on this list.

This is a real tax matter with real conditions attached. Talk to your accountant rather than to a website about the specifics.

Variable income, fixed premium

Income that swings makes subsidy estimation genuinely difficult — estimate too low and you repay at filing time.

A private PPO's premium doesn't move with your income, which for some people is worth more than the subsidy they'd have to guess at.

What to have ready when you talk to an advisor

It's a short list, and none of it is sensitive:

  • Your state and household size.
  • Whether anyone needs a pre-existing condition covered.
  • Your current prescriptions, if any.
  • The doctors you'd want to keep.

General information only. Not insurance, tax or legal advice about your situation, and not a price offer. Plan availability, pricing and underwriting rules vary by state and carrier.

How It Works

Three steps, and you're never locked in.

  1. 01

    Tell us the basics

    State, household, pre-existing conditions and timing. About thirty seconds — no SSN, no date of birth.

  2. 02

    A licensed advisor reaches out

    One advisor, not six. Real options, real costs and the honest trade-offs, in plain English.

  3. 03

    You decide

    Enroll if it fits, or don't. No cost to talk and no obligation at any point.

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Next Step

See what you actually qualify for.

Four questions, one licensed advisor, a straight answer. No cost, no obligation, no pressure.

Secure & private. By submitting you agree to be contacted by one licensed advisor.

Licensed in all 50 states

Your advisor is licensed where you live.

One advisor, no robocalls

Your details go to one person, not a call list.

Never sold to third parties

256-bit SSL encrypted from the first click.

No cost, no obligation

Talking it through is free. You decide.

Step 1 of 5

Step 1 of 5

Let's find your coverage

Start with your state.

Secure & confidentialTakes about 30 seconds