Self-Employed Health Insurance, Made for How You Work
When you work for yourself, there’s no HR department and no company benefits team to sort through health insurance for you.
That’s exactly who we help. We work with self-employed people, independent contractors, freelancers, and business owners every day. We’ll help you compare available options, explain the differences in plain English, and find coverage that fits your health needs and budget.
Get My Free Consultation Or call or text (833) 833-1099Helping self-employed workers since 2019 • Licensed in 32 states • Some coverage options may be available year-round
Who We Help
If you get a 1099 instead of a W-2, run your own business, or simply have to buy health insurance on your own, we can help.
Contractors & Tradespeople
Electricians, plumbers, builders, HVAC professionals, handymen, and other independent tradespeople who need their own coverage.
Real Estate & Mortgage Professionals
Real estate agents, brokers, loan officers, and other commission-based professionals whose income may change throughout the year.
Travel Nurses & Healthcare Contractors
If your assignments take you across cities or states, we can help you consider provider networks and coverage that fit the way you work.
Truckers & Drivers
Owner-operators, independent truck drivers, rideshare drivers, delivery drivers, and other transportation professionals.
Freelancers & Consultants
Designers, writers, marketers, photographers, coaches, stylists, consultants, creators, and other people working independently.
Business Owners
Need coverage for yourself now, but also have employees? We can help you compare individual and small-business options.
Your Health Insurance Options When You're Self-Employed
Being self-employed doesn't mean you only have one choice. Depending on your situation, there may be several types of coverage worth comparing.
Private Health Plans
Private coverage is available outside the government Marketplace. Some options may offer PPO-style provider networks, different cost structures, and applications during different times of the year.
Some private plans use medical underwriting, meaning your health history can affect eligibility or pricing.
Because these plans can vary significantly, we'll explain the benefits, exclusions, limitations, provider network, and underwriting before you decide.
Marketplace Health Plans
Marketplace plans are ACA-compliant individual major medical plans. They cover pre-existing conditions and include essential health benefits.
Depending on your household income and eligibility, you may qualify for financial assistance that lowers your monthly premium or other out-of-pocket costs.
Marketplace Open Enrollment generally runs from November 1 through January 15. Certain qualifying life events can give you a Special Enrollment Period outside that window.
Short-Term Health Insurance
Short-term plans are designed for temporary coverage gaps. They may have lower premiums but can also have more limited benefits, exclusions, and eligibility requirements.
We'll help you understand what is and isn't covered before considering one.
Health Sharing Programs
Health sharing programs allow members to contribute toward eligible medical expenses for other members.
They are not health insurance and may have different rules, exclusions, payment practices, and membership requirements.
Supplemental Coverage
Dental, vision, accident, critical illness, hospital indemnity, and disability products can help cover certain needs that your primary health coverage may not.
Disability coverage can be especially worth discussing when you're self-employed because you may not have employer-provided paid sick leave or disability benefits.
Not Sure Which One Fits?
You don't need to know before you call. We'll help you compare available coverage based on your health, budget, doctors, prescriptions, and how you use medical care.
Income Changes? That's Normal When You're Self-Employed
One of the hardest parts of buying health insurance when you work for yourself is estimating what you'll earn for the year.
Marketplace financial assistance is based in part on your estimated annual household income. If your income changes during the year, you can update your Marketplace application so your eligibility and savings can be recalculated.
We'll help you think through the numbers you already know and compare Marketplace options with available private coverage that may not use household income to determine the premium.
We can help explain how estimated income affects insurance options, but we don't provide tax or accounting advice. Your tax professional can help with questions about how specific income should be reported.
Health Insurance May Offer Tax Advantages
If you're self-employed and meet IRS requirements, you may be able to deduct eligible health insurance premiums for yourself, your spouse, and qualifying dependents.
The self-employed health insurance deduction has specific rules. For example, the deduction may be limited by your earned income from the business, and you generally can't claim it for months when you were eligible to participate in certain employer-subsidized health plans.
Self-Employed Health Insurance Deduction
Eligible self-employed individuals may be able to deduct qualifying medical, dental, and vision insurance premiums as an adjustment to income.
Health Savings Accounts
If you're eligible to contribute to an HSA, your contributions can provide additional tax advantages and the money can be used for qualified medical expenses.
HSA eligibility depends on the type of health coverage you have and other IRS requirements.
This information is for general educational purposes and isn't tax advice. Talk with your accountant or tax professional about how these rules apply to your situation.
Why Self-Employed People Work With Us
This Is What We Do
Self-employed workers, independent contractors, 1099 professionals, and small business owners are a major part of who we serve. It's even in our name.
No Fee for the Consultation
There's no charge to talk with us, ask questions, and compare available health coverage options.
More Than One Type of Coverage
Depending on where you live and your eligibility, we'll help you understand available Marketplace and private coverage instead of assuming the same approach works for everyone.
We're Here After You Enroll
Have a question about your policy, member portal, claim, bill, or renewal? You can still call or text us after your coverage starts.
How It Works
Book a Free Call
Tell us about yourself, your family, your health needs, doctors, prescriptions, and budget.
Compare Your Options
We'll help you compare available plans, prices, networks, benefits, and important limitations.
Choose Your Coverage
Once you've decided which option fits, we'll guide you through the application and enrollment process.
What to Have Ready for Your Call
Don't worry if you don't have everything. A few basic details can help us narrow down your options:
- Ages of everyone who needs coverage
- Your home ZIP code
- Names of doctors and hospitals you'd like to keep
- Prescription medications that are important to you
- A rough estimate of your expected household income for the year
- Approximately what you'd like to spend each month
Don't have all of that yet? That's completely fine. We can start with what you know.
What Self-Employed Clients Say
We work with self-employed professionals, entrepreneurs, independent contractors, and business owners who want someone to make health insurance easier to understand and help them long after enrollment.
“Luis Carmona has been wonderful to work with in finding self-employed health insurance for our family.”
“He is extremely knowledgeable and helpful at choosing options tailored to individual needs, explaining how things work, and continuing to be available when we have questions on our health insurance when we need to use it.”
“I would highly recommend working with Luis if you are self-employed and need affordable insurance for your family.”
— Becky C.
“When I left my 9 to 5 and became self-employed, the health insurance world was daunting.”
“We reached out to Luis to see what he could do for us. He was able to get our family of 5 a plan that was slightly cheaper but that actually covered a good deal of our medical needs.”
“Honestly, we could not be happier with our coverage and the customer service Luis gives is a 10/10.”
— Scottie B.
“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.
“As a self-employed business owner, finding affordable and great quality insurance in this country is no easy task.”
“Thanks to Luis and his expertise and vast industry knowledge, he was able to walk my wife and I through everything in a fairly easy manner and got us set up really quick on an amazing insurance plan that will take care of my family really well.”
— Justin P.
“Health insurance is way more complicated in this country than it needs to be, especially if you’re a business owner or 1099 employee like me.”
“Luis makes it very easy and gets you the right plan quick.”
— Andrew K.
“After researching various health insurance brokers, I decided to take a chance on 1099 Health Insurance Solutions and immediately knew that I made the right choice after my first conversation with Luis.”
“His personable demeanor, clear explanations and time taken to understand my health and supplemental insurance needs made the entire process pleasant and, most important, not overwhelming.”
— Manfred M.
Common Questions About Self-Employed Health Insurance
What is the best health insurance for self-employed people?
There isn't one plan that's best for every self-employed person. The right option depends on your health, household income, doctors, prescriptions, budget, and how you expect to use your coverage.
Some people may benefit from Marketplace coverage and financial assistance. Others may want to compare available private options. We'll help you understand the differences.
Can I buy health insurance any time of year?
Marketplace Open Enrollment generally runs from November 1 through January 15. Outside that period, you may be able to enroll if you qualify for a Special Enrollment Period because of a life event such as losing other coverage, getting married, having a baby, or certain moves.
Some non-Marketplace coverage options may accept applications at other times during the year.
Are health insurance premiums tax-deductible if I'm self-employed?
They may be. Eligible self-employed individuals may be able to deduct qualifying health insurance premiums for themselves, their spouses, and qualifying dependents.
There are important eligibility rules and limitations, so talk with your accountant or tax professional about your specific situation.
My income changes every month. How do I estimate it?
That's very common for self-employed people. For Marketplace coverage, you'll generally use your best estimate of household income for the entire coverage year rather than assuming every month will look the same.
If your income changes during the year, you can update your Marketplace application.
Can I cover my spouse and children?
Yes. Depending on the plan and eligibility requirements, you may be able to obtain coverage for yourself, your spouse, and your children. We'll compare options based on everyone who needs coverage.
Can I keep my doctors?
It depends on the plan's provider network. Give us the names of your doctors, specialists, and hospitals, and we'll help you check the network before you choose coverage.
What if I have a pre-existing condition?
ACA-compliant Marketplace major medical plans cover pre-existing conditions and cannot charge you more because of your health history.
Some private non-ACA options use medical underwriting or have different rules regarding pre-existing conditions. We'll explain those differences before you apply.
I just left my job. Should I take COBRA?
COBRA is one option, but it isn't automatically the best choice. Losing employer coverage can also create a Marketplace Special Enrollment Period, and other coverage may be available depending on your situation.
COBRA may still make sense if keeping the exact same doctors, benefits, or ongoing treatment is especially important. We can help you compare the options.
Can I use an HSA if I'm self-employed?
Self-employed individuals can contribute to an HSA if they meet the IRS eligibility requirements, including having qualifying health coverage and not having certain disqualifying coverage.
We'll identify whether a health plan is designed to be HSA-compatible, but your tax professional can advise you on your personal tax eligibility.
Is the consultation really free?
Yes. There is no charge for the consultation and no obligation to enroll in a plan.
You Work for Yourself. We'll Help You Find Coverage That Works for You.
Whether you're a contractor, freelancer, business owner, driver, real estate professional, or another type of independent worker, we'll help you understand your choices and compare available coverage.
Schedule My Free Consultation Call or text (833) 833-1099
