Health coverage
Health Insurance for the Self-Employed
When you work for yourself, you are also your own benefits department. Here are your real options for health coverage, plus a tax break most 1099 workers can use.
The quick version
If you only read one thing, read this
- 1
Two main paths: an ACA Marketplace plan, with a subsidy if you qualify, or Affordable Choice for a lower monthly cost.
- 2
ACA premiums can be lowered by a subsidy based on income; Affordable Choice is a fixed monthly amount.
The details
The stuff that matters, one piece at a time
Benefits
Two main paths: an ACA Marketplace plan, with a subsidy if you qualify, or Affordable Choice for a lower monthly cost.
The honest take
What's good, and where it falls short
The good stuff
- You control the plan and the budget
- Premiums are tax-deductible
- A subsidy is possible through the Marketplace
The catch
- No employer to split the cost
- You handle enrollment and renewals
- Income swings can change your subsidy
Common questions
What folks ask us most
Keep learning
Watch these next
The Insurance Hawk
Ready to put Health Insurance for the Self-Employed to work?
See the plans and the prices. Or talk it through with a licensed agent who works for you, not the insurance company.