Health Insurance for Self-Employed People, 1099 Contractors and Families
When you work for yourself, there's no HR department to pick a plan for you. We help independent workers, freelancers and their families compare real options, understand the costs, and choose coverage that fits their budget and their doctors.
Free, brief and no-pressure consultations.
Coverage for People Who Don't Have an Employer Plan
Your situation shapes your options. Find yours:
Self-Employed and Freelancers
Coverage for you and your family, without an employer in the middle.
Explore self-employed health insurance →Contractors and Trades
Plans that work around irregular income and a busy schedule.
Health insurance for contractors →Travel Nurses
Coverage that goes with you between assignments and states.
Health insurance for travel nurses →Truckers and Transportation Professionals
Health insurance options designed around life on the road.
Health insurance for truck drivers →Real Estate Agents
Coverage options for commission-based professionals and their families.
Health insurance for real estate agents →Leaving a Job or on COBRA
Compare COBRA against individual coverage before you commit.
Compare your COBRA options →Employees Without Good Employer Coverage
If your job's health plan is too costly or unavailable, you may still have other coverage options.
Explore individual health insurance →Small Business Owners
Group and hybrid health insurance options for business owners and their teams.
Explore small business coverage →How It Works
Getting started is simple. The consultation is free, brief and focused on helping you understand your options without pressure.
Book a Free Consultation
Pick a time that works for you. If you have your ZIP code, budget, doctors, medications or coverage dates handy, great. If you don't, that's completely fine. We'll start with what you have.
Compare Your Options
We walk through the plans available where you live, including monthly premiums, deductibles, provider networks and prescription coverage. Ask as many questions as you need.
Choose When You're Ready
There's no pressure to enroll during the consultation. If you find a plan that feels right, we can help you apply and answer questions throughout the process.
What to Look at When Comparing Health Insurance Plans
The monthly premium is only part of the picture. These are some of the most important things to compare.
Costs When You Use Care
Look beyond the monthly premium. Compare deductibles, copays, coinsurance and your potential out-of-pocket costs.
Doctors and Hospitals
Provider networks can vary significantly. We can help check whether the doctors and hospitals important to you participate in the plan.
Prescription Coverage
If you take medications, check how the plan covers them and what pharmacies or formularies apply.
Benefits and Plan Limits
Understand what is covered, what isn't, waiting periods, exclusions, benefit limits and other important plan rules before enrolling.
Coverage Options We Help With
Different people need different types of protection. We can help you understand and compare several kinds of coverage.
Why Self-Employed Professionals and Small Businesses Choose Us
Real feedback from clients who have trusted 1099 Health Insurance Solutions to help them understand their coverage options.
“Luis is a rockstar! Extremely knowledgeable. Available. Responsive. Calm. Professional. Kind. Most people don’t possess ALL of these qualities, but Luis sure does! I’m thankful I found him when I needed health insurance as a self-employed entrepreneur.”
Chad S.
Self-Employed Entrepreneur
“Luis at 1099 Health Insurance Solutions provides top notch service and insurance options to us. We own and operate a consulting services business, and Luis has provided us great options for insurance as our business grows. He helps us navigate the costs and options each plan has to offer, allowing us to make the best decision on plan and coverage that fits our needs.”
Brian W.
Consulting Services Business Owner
“We are a small medical clinic that have been using Luis for our insurance needs. Being under 20 employees comes with its challenges, as well as trying to accommodate employees’ insurance requirements from the single person to covering families. Luis has shown up for each situation with timely professionalism, compassion and multiple options to choose from.”
Kendyl K.
Small Medical Clinic
★★★★★ 180+ five-star reviews
Based in Phoenix, Serving Clients in 32 States
1099 Health Insurance Solutions has helped clients since 2019 from our office in downtown Phoenix. We work with clients in:
Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin and Wyoming.
1099 Health Insurance Solutions
2020 N Central Ave, Suite 1050
Phoenix, AZ 85004
(833) 833-1099
Frequently Asked Questions
Can I get health insurance outside open enrollment?
Sometimes. Marketplace plans generally require open enrollment or a qualifying life event, such as losing other coverage, moving, getting married or having a baby. Other types of coverage may be available at different times of the year. We can review what's available to you now.
How much does health insurance cost when I'm self-employed?
It depends on your location, age, household and the plan you choose. Some self-employed people may qualify for premium tax credits on Marketplace plans. We'll help you compare monthly premiums as well as what you could pay when you use your coverage.
Are there contracts with health insurance?
No. Most health insurance plans are month to month with no long-term contract. You can generally cancel your coverage if your needs change, although plan rules and cancellation dates can vary.
Can I deduct health insurance premiums if I'm self-employed?
Many self-employed people may be able to deduct eligible health insurance premiums for themselves and their families. Tax rules depend on your individual circumstances, so check with a qualified tax professional.
Should I keep COBRA or switch to an individual plan?
COBRA lets you continue your existing employer coverage, but the cost may increase because you can become responsible for the full premium. Losing employer coverage may also create a special enrollment opportunity for individual health insurance. We can help you compare the options.
Can I check whether a plan works with my doctors and prescriptions?
Yes. Each plan can have its own provider network and prescription drug list. If you have the names of your doctors and medications, bring them to your consultation and we can review them while comparing plans.
Is there a cost for a consultation?
No. The consultation is free, brief and there is no pressure to enroll. The goal is simply to understand your situation, answer your questions and help you see what coverage options may be available.
What should I have ready for a consultation?
If you have them handy, it helps to know your ZIP code, who needs coverage, your budget, any doctors or medications that matter to you, and when you would like coverage to start. But don't worry if you don't have everything ready. We'll start with what you know and go from there.
Let's Find Coverage That Fits Your Life
Schedule a free, brief, no-pressure consultation to talk through your options. You don't need to have everything figured out before we talk. We'll start with what you have and help you understand the next step.
Plan availability, eligibility, benefits and costs vary by plan and location. Health share plans are not insurance. Short-term plans are not required to cover all ACA essential health benefits.
