ACA Marketplace plans with subsidies
The most common route for freelancers. Premium tax credits scale with your estimated annual income, and plans cover pre-existing conditions, preventive care and prescriptions.
FREELANCERS & 1099 CONTRACTORS
Health insurance for the self-employed
Working for yourself shouldn't mean going without coverage. As a licensed bilingual broker, I help freelancers, gig workers, 1099 contractors and small business owners compare ACA Marketplace plans, COBRA alternatives and private options — at no cost to you.
Your coverage options
COBRA alternatives after leaving a job
Losing employer coverage opens a Special Enrollment Period. A Marketplace plan is usually far cheaper than continuing COBRA at full price.
Private and off-exchange plans
If your income is above subsidy range, private carrier plans can offer broader networks and more flexible deductibles.
Indemnity, dental and vision add-ons
Hospital, accident and cancer indemnity plans plus dental and vision coverage help fill gaps that a high-deductible plan leaves behind.
Self-employed insurance FAQ
- Can self-employed people get health insurance?
- Yes. Freelancers, 1099 contractors and small business owners can buy coverage on the ACA Marketplace, through private carriers, or via indemnity plans — no employer needed.
- Do I qualify for a subsidy if I'm self-employed?
- Most likely. ACA premium tax credits are based on your estimated annual household income, not on having an employer. Many self-employed people pay far less than the sticker price.
- Is COBRA my only option after leaving a job?
- No. Losing employer coverage triggers a Special Enrollment Period, so you can pick a Marketplace plan instead of COBRA — usually at a much lower cost.
- Can I deduct my premiums?
- Self-employed individuals can often deduct health insurance premiums on their tax return. Confirm details with your tax professional.
Let's find your plan
Free, no-obligation quote tailored to self-employed income. English and Spanish.