Self-Employed Health Insurance FAQs
Self-employed health insurance refers to coverage options for individuals who work for themselves, such as freelancers, consultants, sole proprietors, or independent contractors. We help you find private, ACA-compliant plans that fit your needs and budget.
Yes, having health insurance is essential to protect yourself from high medical costs. Whether you’re a full-time freelancer or a part-time gig worker, we can help you explore options that provide reliable coverage and peace of mind.
Yes! You may qualify for subsidies or tax credits through the Health Insurance Marketplace. We’ll help determine your eligibility and compare plans to find affordable monthly premiums and reasonable out-of-pocket costs.
As a self-employed individual, you can enroll in private individual health insurance plans, ACA marketplace plans, or explore short-term policies. We’ll help you compare options based on your income, location, and health needs.
It depends on your needs. Private health insurance offers more flexibility and broader plan choices, while marketplace insurance may offer income-based subsidies. We help you evaluate both to make the best decision.
All ACA-compliant plans—whether private or through the marketplace—must cover pre-existing conditions. You cannot be denied coverage or charged more based on your health history.
You can enroll during the Open Enrollment Period each year, or during a Special Enrollment Period if you experience a qualifying life event. We also offer year-round private plans that may fit your needs if you missed the deadline.
Yes. If you report business income and are not eligible for employer-sponsored coverage elsewhere, you may be able to deduct your health insurance premiums on your federal tax return.
If you expect your income to vary, we can help you choose flexible plans and walk you through how income changes affect subsidies. Regular updates may help you avoid tax penalties or surprise bills.
Contact us today for a free consultation. We’ll review your situation, explain your options, and help you enroll in a self-employed health insurance plan that gives you the coverage and support you need.
