Insurance for Self-Employed Workers, Families & Small Businesses
We help people who don't get all of their insurance through a large employer compare coverage that fits their needs, budget, and lifestyle.
Start with what describes you best, or browse the different types of coverage below.
Book a Free Consultation Or call or text (833) 833-1099Licensed in 32 states • 180+ five-star Google reviews • Helping clients since 2019
Find Coverage by Who You Are
Not sure which type of insurance to look for? Start with the situation that sounds most like yours.
I'm Self-Employed or a 1099 Worker
Health insurance options for contractors, freelancers, consultants, gig workers, entrepreneurs, and other people who work for themselves.
Self-Employed Health Insurance →I Need Coverage for Myself or My Family
Compare available individual and family health insurance, including Marketplace and private coverage options.
Individual & Family Health Insurance →I Own a Small Business
Explore traditional group health insurance, hybrid approaches, level-funded options, ICHRA, QSEHRA, and additional employee benefits.
Small Business Health Insurance →I Just Lost My Job or I'm Leaving One
COBRA may allow you to keep your existing employer plan, but it's worth comparing the cost and coverage with your other available options.
Compare COBRA & Other Options →Coverage for the Way You Work
Self-employed people don't all have the same needs. Your job can affect which provider networks, coverage areas, and benefits matter most.
Contractors & Tradespeople
Health coverage for builders, electricians, plumbers, HVAC professionals, handymen, and other independent tradespeople.
Real Estate & Mortgage Professionals
Health insurance options for real estate agents, brokers, loan officers, and other commission-based professionals.
Truckers & Drivers
Coverage for owner-operators, independent truck drivers, rideshare drivers, and delivery professionals who may need access to care across different areas.
Travel Nurses & Healthcare Contractors
Health insurance options for professionals who may work temporary assignments or spend time in multiple cities or states.
Browse by Type of Coverage
Health Insurance
Individual & Family Health Insurance
Compare available Marketplace and private health insurance for yourself, your spouse, your children, or your family.
Learn More →Small Business Health Insurance
Traditional group plans, hybrid approaches, level-funded options, ICHRA, QSEHRA, and other employee benefit strategies.
Learn More →Short-Term Health Insurance
Temporary health coverage may be available for certain gaps between longer-term plans. Benefits, eligibility, exclusions, and availability vary by state.
Health Sharing Programs
Health care sharing programs allow members to contribute toward eligible medical expenses for other members.
These programs are not health insurance and can have different rules, exclusions, and payment practices.
Dental, Vision & Supplemental Coverage
Dental & Vision
Available coverage may help with services such as preventive dental care, fillings, eye exams, glasses, and contacts, depending on the plan.
Disability Coverage
Disability insurance can help replace part of your income if a covered illness or injury keeps you from working.
That can be especially important for self-employed workers who don't have employer-paid sick leave or disability benefits.
Critical Illness & Accident Coverage
Supplemental policies may provide fixed or cash benefits after certain covered illnesses or accidents, depending on the policy.
Telemedicine
Some plans and benefit programs include access to virtual medical consultations by phone or video.
Life Insurance
Term Life Insurance
Coverage for a set period such as 10, 20, or 30 years. It can be useful for protecting income, mortgages, debts, and family obligations during working years.
Get a Life Insurance Quote →Permanent Life Insurance
Coverage designed to potentially remain in force for life when required premiums are paid and policy conditions are met. Some types can also accumulate cash value.
Compare Life Insurance Options →What Clients Say About Working With Us
Choosing insurance can get complicated quickly. Our goal is to make the choices easier to understand so you can decide what fits you.
“He listened to my particular needs with health insurance and presented me with multiple options to choose from.”
“He also took the time to answer all of my questions. I was able to find excellent coverage at an affordable price.”
— Jeb K.
“He was able to provide excellent information, guidance and advice on the different health care options.”
“He made a complicated subject easy for us to understand.”
— Ginny V.
“Luis is a knowledgeable resource for medical and dental insurance.”
“He patiently listens and answers all my questions.”
— Debbie Z.
“He responded to my voice mail almost immediately, and set up an appointment for the following day.”
“He clearly understands the vagaries of health insurance, and you can rely on his advice.”
— Sam J.
“Looking for health insurance can be very confusing. Luis found a plan that works perfectly for my needs.”
“He is very approachable, knowledgeable, and treats all my questions with patience and class.”
— Mary S.
“Luis Carmona went far and beyond what I would normally expect from my insurance person.”
“He answered all our questions and found a great medical plan that also saves us a lot of cost.”
— Bradley S.
Ready to See Your Options?
If you already know what type of coverage you're looking for, start with one of our quick quote forms.
Let's Find Coverage That Fits Your Situation
Whether you're self-employed, covering your family, running a business, leaving a job, or looking for additional protection, we'll help you understand the options available to you.
Schedule My Free Consultation Call or text (833) 833-1099Licensed in 32 states • 180+ five-star Google reviews • Helping clients since 2019
