Sole proprietors, LLC owners, freelancers and 1099 contractors: compare 2027 health plans priced on your net income, not your gross sales. A licensed advisor does the shopping for you, free.
When you are your own boss, nobody pays part of your premium and there is no HR department to pick a plan. The good news: self-employed people have real advantages that most employees never get.
Whatever you do for a living, if there is no employer plan, we find coverage that fits your work and your budget.
Electricians, builders, HVAC techs, landscapers and handymen. Plans priced on what you take home after tools, trucks and materials.
Net income pricing
Booth renters and salon owners can compare individual and family plans, with tax credits if they qualify.
Individual and family plans
Commission income goes up and down. We set your income estimate so your tax credit is right and you do not pay it back at tax time.
Income planning
Designers, consultants, writers, delivery and rideshare drivers. One advisor, plans from the major carriers, no call center.
One licensed advisorMarketplace tax credits use your household income after business expenses. A lot of self-employed people overpay because they enter what they billed instead of what they kept.
We walk through your numbers with you so your estimate is right the first time, and so a good year does not surprise you at tax time.
Estimate My Tax CreditIllustration only, not a quote or tax advice. Your numbers depend on your household, state and plan.
We compare every option that fits, so you only pay for the coverage you actually need.
Every plan covers pre-existing conditions and essential benefits. If your net income qualifies, tax credits can bring the premium way down.
Tax credits available
Broad networks and no referrals. A good fit if you earn above the tax credit limits or want to see doctors in more than one state.
Maximum flexibility
Hired your first employee? A small group plan can cover you and your team, and help you keep good people.
For owners with employees15 minutes. We learn what you do, who needs coverage and which doctors you want to keep.
We work out your net income the right way and find every tax credit you qualify for.
Side-by-side quotes from the carriers in your area that fit your budget.
We handle the paperwork and stay your advisor all year.
Free, no obligation.
Real reviews from Google, from real clients we've helped.
There is no single best plan. For most self-employed people the best fit is an ACA Marketplace plan if your net income qualifies for tax credits, or a private PPO if you earn above the credit limits or need a wide doctor network. We compare both side by side at no cost.
It depends on your age, ZIP code, household size, plan level and net income. Marketplace tax credits can lower the price a lot, and they are based on income after business expenses, not your gross sales. A free quote shows your real price in a few minutes.
Many self-employed people can deduct premiums for themselves, a spouse and dependents with the self-employed health insurance deduction, as long as they are not eligible for an employer plan through a job or a spouse's job. Ask your tax preparer about your situation.
Use your expected net self-employment income for the year, which is what is left after business expenses, plus any other household income. If your income changes during the year, update it so your credit stays accurate.
Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1. Some states that run their own exchange set different dates. Outside open enrollment you need a qualifying life event, such as losing other coverage.
Yes. You can put your whole household on one individual and family plan, and tax credits are based on your total household income.
If you have at least one employee who is not your spouse, a small group plan may be an option, and it can help you hire and keep good people. If it is just you, or you and your spouse, an individual plan is usually the better fit.
You can still buy a Marketplace plan at full price, or look at private PPO plans that may offer broader networks. Retirement contributions and business expenses can lower the income that counts, so it is worth running your numbers first.
Free 15-minute consult. No pressure. No fees.