Health Insurance for Contractors and Tradespeople
You keep homes, businesses and job sites running for everyone else. When you're self-employed, no one is lining up health coverage for you. We help general contractors, subcontractors and tradespeople compare health insurance for themselves, their families and their crews.
That includes electricians, plumbers, HVAC technicians, roofers, remodelers, landscapers and other self-employed tradespeople.
Free, brief and no-pressure consultations.
Why Health Insurance Is Different for Contractors
Self-employed contractors often have different concerns than someone receiving health insurance through a large employer.
Your Income Changes With the Work
Busy seasons and slow months can make it harder to budget for premiums and estimate yearly income for Marketplace premium tax credits.
Your Work Is Physical
Injuries are a real risk in the trades. Depending on your state and how your business is structured, workers' compensation may not automatically cover you as the owner.
You May Have a Crew
Offering health coverage can help you hire and keep good people, but traditional group plans don't always fit the needs or budget of a small contracting business.
You Don't Have Time to Research Plans
Comparing networks, deductibles, prescriptions and plan rules after a full day on a job site isn't realistic. That's where we can help.
Health Insurance and Coverage Options for Contractors
The right setup depends on whether you're covering yourself, your family, or employees working with you.
Individual and Family Health Insurance
Major medical plans on and off the ACA Marketplace. Some contractors may qualify for premium tax credits based on estimated yearly household income. PPO, HMO and EPO network options vary by location.
Explore individual health insurance →Coverage for Your Crew
Small business and hybrid health insurance options may give employers and employees more flexibility than some traditional group arrangements. We can help compare options based on the size and needs of your team.
Explore small business health insurance →Protection for Injuries and Time Off
Accident, critical illness and accident-only short-term disability coverage may help with eligible out-of-pocket expenses or lost income after a covered injury or illness.
Explore supplemental coverage →Short-Term Coverage for Gaps
Short-term health insurance may provide temporary coverage between plans. These plans don't include all ACA protections, so we'll help explain what is covered, what isn't, and where the limitations are.
Learn about short-term coverage →Virtual Care and Telemedicine
Telemedicine can let you speak with a medical provider by phone or video for certain health concerns without giving up half a workday sitting in a waiting room.
Learn about telemedicine →Life Insurance
Life insurance can help protect your family and may also help address business obligations such as equipment loans, debts or other financial responsibilities if something happens to you.
Explore life insurance →What Contractors Should Look at When Comparing Plans
A low monthly premium isn't the only thing that matters. Pay attention to how the plan works when you actually need care.
Where You Work
If your jobs regularly take you across county or state lines, look closely at the plan's provider network and how coverage works away from home.
Your Deductible vs. Your Cash Cushion
A lower premium with a higher deductible may look attractive, but make sure you could handle that deductible even during a slow month.
Urgent Care and Emergency Costs
Know what you'd potentially pay for urgent care, emergency-room care, imaging, X-rays and other services you may need after an unexpected injury.
Your Doctors and Prescriptions
Check that important providers are in network and that any regular medications are covered before you enroll whenever possible.
How It Works
You don't need to spend hours researching plans on your own. Start with a brief conversation.
Book a Free Consultation
Pick a time that fits around your jobs — even if that means a quick call from the truck. If you don't have all your information ready, that's fine. We'll start with what you have.
Compare Your Options
We walk through plans available where you live, including premiums, deductibles, provider networks, prescriptions and important plan rules.
Choose When You're Ready
There's no pressure to enroll during the consultation. If you find coverage that fits, we'll help with the application and stay available for questions after you're covered.
Frequently Asked Questions About Health Insurance for Contractors
Can I get health insurance as an independent contractor with no employees?
Yes. A sole proprietor or single-member business can generally buy individual or family health insurance rather than needing a traditional employer group plan. We can help you compare the options available where you live.
My income changes month to month. Can I still get help paying premiums?
Marketplace premium tax credits are generally based on your estimated household income for the full year rather than one individual month. If your income changes substantially during the year, you can update your estimate. Premium tax credits are reconciled when you file your taxes.
Can I deduct health insurance premiums as a self-employed contractor?
Many self-employed people may be eligible to deduct health insurance premiums for themselves, a spouse and dependents. Eligibility depends on your individual circumstances, including business income and access to other employer-sponsored coverage. Check with a qualified tax professional.
Does workers' comp cover me if I own the business?
It depends on your state, business structure and workers' compensation policy. Business owners are not always automatically covered. Ask your commercial insurance professional about your workers' comp protection, and we can help explain available health, accident and disability-related coverage options.
Can I offer health insurance to my crew?
Yes. Small business health insurance and hybrid options may be available even for relatively small teams. We can help you compare what the business would pay, how employee contributions may work, and what coverage options may be available.
Can I get coverage outside open enrollment?
Sometimes. Marketplace plans generally require open enrollment or a qualifying life event, such as losing other coverage. Other types of coverage may be available at different times of the year. We can review what's available to you now.
Are there contracts with health insurance?
Most health insurance plans are month to month rather than requiring a long-term contract. Cancellation rules and effective dates can vary by plan, so we'll explain those details before you enroll.
Is there a cost for the consultation?
No. The consultation is free, brief and there is no pressure to enroll. We'll learn what you're looking for, answer your questions and help you understand the options available to you.
What if I don't have all my information ready?
That's completely fine. If you know your ZIP code, approximate budget, who needs coverage, doctors, medications or desired start date, those details can help. If you don't have everything ready, we'll simply start with what you know and go from there.
Get Health Coverage That Works as Hard as You Do
Schedule a free, brief, no-pressure consultation to see what health insurance options are available where you live. You don't need to have everything figured out before we talk. We'll start with what you have.
This page is for general informational purposes only and is not tax, legal or workers' compensation advice. Plan availability, eligibility, benefits and costs vary by plan and location. Short-term plans are not required to cover all ACA essential health benefits.
