Self-Employed Health Insurance

Coverage Built for Self-Employment

Your main options without an employer plan

• Marketplace (ACA) plans. Cannot deny you for pre-existing conditions, and premium tax credits can dramatically cut your cost if your income qualifies.
• Private plans. Often more flexible networks and pricing for healthy applicants, available year-round.
• Spouse's employer plan. Sometimes the cheapest seat in the house if it is available to you.

The tax angle most people miss

Self-employed individuals can often deduct health insurance premiums for themselves, a spouse, and dependents, which effectively lowers the real monthly cost. Your tax professional confirms the specifics; we make sure you know to ask.

Income swings and subsidies

Marketplace subsidies are based on your estimated annual income, which is tricky when yours varies. We help you set a realistic estimate so you do not face a surprise at tax time.