Construction worker in orange safety vest reviewing blueprints with a colleague, representing the need for proper health and accident insurance coverage for contractors and trades workers.

Construction workers face real injury risks every single day. But basic health insurance only covers your medical bills — not your rent, your car payment, or the weeks of income you lose while you heal. This guide breaks down exactly why basic coverage falls short for construction workers and 1099 contractors, what accident and disability insurance actually cover, and how to build a protection plan that keeps your health and your paycheck safe. Real numbers, real scenarios, and straightforward answers to help you make the right call before an accident forces your hand.

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Young self-employed woman working on laptop at home office desk, researching health insurance options as a 1099 contractor

Tired of sticker shock from your COBRA letter? In 2026, the average individual pays $600–$800/month for COBRA — and ACA subsidies just expired, making marketplace plans more expensive than ever. This guide breaks down every alternative, including the private PPO option that rewards healthy 1099 workers with lower premiums. Find out which plan wins for your situation.

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2025 Open Enrollment Dates: Complete Guide for Self-Employed & 1099 Contractors | 1099 Health Insurance Essential information for self-employed professionals, 1099 contractors, travel nurses, and small business owners Table of Contents Why 2025 Open Enrollment Matters What is the Open Enrollment Period? Key National Dates for 2025/2026 State-by-State Enrollment Deadlines What’s Changing for 2026 Other…

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Navigating health insurance in Phoenix doesn’t have to be overwhelming. As the top-rated health insurance agency in Phoenix with over 140 five-star Google reviews, 1099 Health Insurance specializes in making coverage simple and affordable for families, self-employed professionals, and small businesses. From comprehensive PPO plans to dental, vision, and life insurance, we provide personalized solutions that fit your needs and budget. Unlike large impersonal companies, we’re local experts who understand Phoenix’s healthcare landscape and provide ongoing support throughout your insurance journey. Discover why hundreds of Phoenix residents trust us as their #1 choice for health insurance protection

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Travel nurses face unique healthcare coverage challenges when moving between 13-week assignments across different states. This comprehensive guide reveals four proven ways travel nurses secure reliable health insurance: agency-provided plans, private PPO coverage, ACA marketplace options, and family plans through spouses.
Learn why experienced travel nurses choose private insurance for continuous coverage that never ends between contracts, while new nurses often start with agency plans for affordability. Discover specific insurance companies like Blue Cross Blue Shield and Aetna that offer nationwide networks perfect for mobile healthcare workers.
Get real cost breakdowns showing agency plans at $40-200 weekly versus private coverage at $200-600 monthly. Understand tax deductions that make private insurance more affordable than expected, plus special enrollment periods that help during coverage transitions.
Avoid dangerous coverage gaps that cost thousands in emergency bills. Make informed decisions about healthcare benefits that follow you everywhere, ensuring continuous medical care regardless of assignment location or agency changes.

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What type of insurance should a self-employed person have in 2025? This comprehensive guide covers essential coverage including health insurance, disability protection, business liability, and life insurance. Learn about ACA marketplace vs. private PPO options, tax-deductible premiums, and retirement planning strategies. Get expert advice from a licensed insurance agent with 6 years of experience helping freelancers, contractors, and small business owners protect their income and assets. Includes cost comparisons, coverage recommendations, and actionable steps to build your insurance portfolio.

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