Health Insurance for the Self-Employed & 1099 Workers
No employer plan, income that changes month to month, and a tax return that makes subsidy estimates tricky. Being self-employed makes health insurance harder than it should be.
What working with me looks like
Income-smart plan choice
Variable income affects Marketplace subsidies. I help you estimate carefully so you don't get a surprise at tax time.
Private PPO-style options
If you're healthy and earn too much for a meaningful subsidy, a private plan with a broad network may cost less.
Tax-deduction aware
Self-employed people can often deduct health premiums. I'll point out what to discuss with your tax professional.
Year-round help
Left a W-2 job to go independent? Losing employer coverage opens a Special Enrollment Period, and I'll help you use it.
FAQ
Can I deduct health insurance if I'm self-employed?
What if my income changes during the year?
Guides for you
How to Get Health Insurance When You're Self-Employed
A step-by-step guide to health insurance for freelancers, 1099 contractors, and business owners: your options, how subsidies work with variable income, and common mistakes.
Read the guide Guide · 6 min readThe Self-Employed Health Insurance Deduction, Explained
Who qualifies for the self-employed health insurance deduction, what premiums count, the income limit, how it interacts with subsidies, and common pitfalls.
Read the guide Guide · 7 min readPrivate Health Insurance vs. ACA Marketplace Plans: An Honest Comparison
How private health insurance and ACA Marketplace plans differ on cost, networks, pre-existing conditions, and subsidies, and how to decide which fits you.
Read the guideGet your free comparison
How many people would be on the plan?
Include yourself.
Ready to find your plan?
A free 15-minute review. No pressure, no obligation. You leave knowing your options either way.