As a 1099 contractor, freelancer, or gig worker, you are your own HR department. VS Health Benefits finds you affordable health insurance built for self-employed people, without the employer price tag.
When you work for yourself, there is no employer covering part of your premium. But there are real options that make coverage affordable, and even tax advantages that employees do not get.
We compare every option across carriers so you only pay for what you actually need.
Many 1099 workers qualify for subsidies that bring premiums well below sticker price. We calculate your credit and find the best plan within your tier.
Tax credits available
Broad networks, no referrals needed, and the flexibility to see specialists anywhere. Ideal if your income is above subsidy limits or you want more choice.
Maximum flexibility
Bundle dental and vision alongside your main health plan for complete coverage. We compare standalone and bundled options to get you the best deal.
Complete coverage15 minutes. We learn your income, work type, and what coverage you need.
We run your numbers to find every ACA credit you are entitled to before comparing plans.
Side-by-side quotes from every carrier that fits your budget and lifestyle.
We handle all the paperwork. You focus on your work.
Answer a few quick questions and we will match you with the best health insurance options. Takes about 2 minutes.
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"As a self-employed designer I was overwhelmed with ACA choices. VS Health Benefits cut through the noise and found me a plan with my doctors in-network at a great price."
"I did not realize I qualified for a subsidy. Now I pay under $60 a month for solid coverage. Took maybe 20 minutes from start to finish."
"Switched from paying $600 a month for cobra to $120 with a better plan. VS Health Benefits showed me options I never knew existed."
Yes. 1099 contractors and freelancers can access the same ACA marketplace plans, private PPO plans, and individual market products as anyone else. We help you compare them all at no cost.
Self-employed individuals who pay their own premiums may be able to deduct 100% of their health insurance costs on their federal tax return. This is a major financial advantage compared to being a traditional employee. Ask your tax advisor for your specific situation.
Many 1099 workers qualify for premium tax credits on the ACA marketplace. Your eligibility is based on your estimated net income for the year. We calculate your subsidy before comparing plans so you know exactly what you will pay.
You can update your income estimate anytime on the ACA marketplace to adjust your subsidies. We help you set the right estimate upfront to avoid a surprise at tax time.
We check provider networks before recommending any plan. If keeping your current doctors is a priority, we confirm they are in-network before you enroll.
Free 15-minute consult. No pressure. No fees.