If you’re self-employed or a 1099 contractor, you have several affordable health insurance options that provide strong coverage and access to federal tax credits. Whether you run a small business, work independently, or freelance full-time, you can still get high-quality health insurance designed to fit your income, your medical needs, and your budget.
Why Self-Employed Health Insurance Matters
✔ Protects your income
One medical emergency can cost thousands. Health insurance prevents major financial loss.
✔ Access to lower-cost ACA plans
Many self-employed individuals qualify for tax credits that significantly reduce monthly premiums.
✔ Plans available year-round
You may qualify for Special Enrollment after income changes, moving, or leaving employer coverage.
✔ Customize coverage for your needs
Choose from ACA Marketplace plans, private plans, short-term options, or health-sharing programs depending on your situation.
Best Health Insurance Options for the Self-Employed
1. ACA Marketplace Plans
ACA plans offer:
- Low monthly premiums with subsidies
- Doctor visits, prescriptions, preventive care
- Guaranteed acceptance
Perfect for full-time business owners, gig workers, and freelancers.
2. Private Health Plans
Ideal for higher-income self-employed individuals who:
- Want broader networks
- Prefer more predictable costs
- Don’t qualify for ACA subsidies
These plans can complement your business tax strategy.
3. Short-Term Medical Plans
Flexible, lower-cost temporary coverage for:
- New business owners
- People in transition
- Those needing fast, immediate coverage
Availability varies by state.
4. Group-Style Plans for One-Person Businesses
Some states allow “group of one” plans if you are self-employed.
These may offer:
- Lower premiums
- Larger networks
- Stable, predictable coverage
We can check if you qualify.
What Impacts Your Monthly Premium
- Where you live
- Your income
- Household size
- Age
- Type of plan
- Whether you qualify for federal subsidies
We help you compare every option available so you never overpay.
Why Choose LifeCare Benefit Services
We help self-employed clients:
- Find the most affordable plans
- See if they qualify for Marketplace tax credits
- Review networks, deductibles, and prescription coverage
- Compare ACA, private, and short-term plans
- Get coverage that fits their business and budget
Guidance is always free.