Health coverage
Health Insurance for the Self-Employed
When you work for yourself, you are also your own benefits department. Here are your real options for health coverage, plus a tax break most 1099 workers can use.
The quick version
If you only read one thing, read this
- 1
Two main paths: an ACA Marketplace plan, with a subsidy if you qualify, or Affordable Choice for a lower monthly cost.
- 2
ACA premiums can be lowered by a subsidy based on income; Affordable Choice is a fixed monthly amount.
The details
The stuff that matters, one piece at a time
Benefits
Two main paths: an ACA Marketplace plan, with a subsidy if you qualify, or Affordable Choice for a lower monthly cost.
The honest take
What's good, and where it falls short
The good stuff
- You control the plan and the budget
- Premiums are tax-deductible
- A subsidy is possible through the Marketplace
The catch
- No employer to split the cost
- You handle enrollment and renewals
- Income swings can change your subsidy
Common questions
What folks ask us most
Keep learning
Watch these next
Ready for your next step?
Talk through your questions about Health Insurance for the Self-Employed with Jonathan and the team, and decide what to explore next.