Enroll by December 15, 202638 Days Left
Self-Employed Health Insurance That Fits How You Work
Self-employed health insurance built around an income that changes, from your first 1099 to your first hire.
- Every Metal Level Compared
- Bronze to Gold
- Meet Wherever You Work
- Phone or Video
Health Insurance for Self-Employed Workers of Every Kind
Shop and Salon Owners
You run the chair and the books. We find a plan that fits a busy schedule.
Tradespeople and 1099 Contractors
Mechanics, plumbers, builders and other contractors paid on a 1099, with no employer plan to fall back on.
Artists and Freelancers
Designers, writers, photographers and makers whose income arrives by the project, not the paycheck.
Rideshare and Delivery Drivers
Driving apps rarely come with benefits, so your coverage is up to you.
Gig and Service Workers
Pet sitters, cleaners, tutors and others who piece together income from several clients or apps.
Part-Time and Contract Workers
Students, part-timers and contract staff whose job offers no health plan, or only COBRA when a contract ends.
How Self-Employed Health Insurance Works
You buy the same marketplace plans as anyone without job-based coverage. The difference is how you count your income.
Your premium tax credit is based on your household's expected income for the year. For self-employed people, that's net profit after business expenses, not gross sales. Only the people on your tax return count as your household.
An income that swings from month to month makes the estimate harder, and extra credit has to be paid back when you file. Check the 2027 tax credit income limits.
Have These Ready
- Last Year's Tax Return or Schedule C
- Your Expected 2027 Net Profit
- Any Other Household Income
- Job-Based Coverage Offered to Your Spouse
- Your Doctors and Prescriptions
Three Ways Self-Employed People Lower Health Costs
Premium Tax Credit
Paid in advance straight to your insurance company each month, so your bill is lower from the start.
Self-Employed Health Insurance Deduction
Self-employed people can generally deduct the premiums they pay for themselves, a spouse and dependents.
HSA With a Bronze Plan
Since 2026, marketplace bronze plans work with a health savings account, so you pay for care with pre-tax money. Our HSA vs FSA guide has the 2027 limits.
Individual Plan, Group Plan or ICHRA?
| Option | Who It Fits | What to Know |
|---|---|---|
| Marketplace individual plan | Solo owners, freelancers and contractors with no employees | Your tax credit depends on household income. You choose any plan sold in your area. |
| Small group health plan | Businesses with at least two employees | The business pays part of the premium. Who counts as an employee, including owners and spouses, depends on the state and the insurance company. |
| ICHRA or QSEHRA | Owners with employees who'd rather give an allowance than run a group plan | Employees get a tax-free monthly allowance and buy their own individual coverage. |
From Net Profit to Your New Plan
Estimate Your Net Income
We build the 2027 figure your tax credit depends on.
Compare Plans and Savings
Premiums after your tax credit, deductibles, networks and HSA-eligible options side by side.
Enroll Before Your Deadline
We finish the application with you during Open Enrollment or after a life event.
Get Help With Self-Employed Coverage
Thank You, We Have Your Request
Want a set time instead? Pick one on our calendar.
What Business Owners Say
Before Beyond Health: panic, dread, uncertainty about what was happening with my new business insurance needs. After Beyond Health: calm, cool, collected, in control and informed… I would have made a bunch of sub-optimal decisions without this team's help.
I've had a fantastic experience using Beyond Health Consulting as our health insurance guide, both for individual plans through the marketplace and also for getting our small business employer plans. Colleen really knows her stuff and she's generous with her knowledge… She's also just saved us so much money over the last 18 months from guiding us to good health insurance plans.
Beyond Health has been a great help, guiding me through the complex world of comparing and setting up different insurance plans and options. My agent, Colleen, especially provides easy to understand communication and clearly cares about my case.
Self-Employed Health Insurance FAQ
How Much Is Health Insurance for Self-Employed People?
It depends on your age, zip code and household size, and on the premium tax credit your net income qualifies you for.
Can I Deduct Health Insurance If I'm Self-Employed?
Usually, as long as your business shows a net profit and you weren't eligible for an employer plan through another job or a spouse's job. How the deduction combines with a tax credit gets technical, so confirm the details with your tax professional.
Can Gig Workers and 1099 Contractors Get Health Insurance?
Yes. Contractors and gig workers buy a marketplace plan like any self-employed person. If you also have a part-time job that offers coverage, we check whether that offer affects your tax credit.
Can I Enroll Outside Open Enrollment When I Start My Business?
Only if you lose coverage. Leaving a job and its health plan opens a special enrollment period, but starting a business by itself doesn't. See how a special enrollment period works.
Should I Pair a Bronze Plan With an HSA?
It can fit if you're healthy and rarely need care. The trade-off is a higher deductible, so we compare it with silver and gold plans on your total yearly cost.
How Do I Estimate My Income If My Work Is Seasonal?
Start from last year's net profit, then adjust for the clients and contracts you expect. If the year turns out different, update your application so your tax credit follows. If your income is low, we also check whether Medicaid fits better.
Coverage That Fits Your Business and Your Budget
We meet by phone or video, at a time that suits you.
Beyond Health employs licensed insurance producers authorized to sell life and health insurance in Utah, Idaho, Wyoming, Colorado, Montana and South Carolina. Our activities comply with state licensing requirements and partner carrier guidelines. Product availability and enrollment options may vary by state. Plan details, prices and deadlines on this page come from government and insurer sources and can change. Your agent confirms them before you enroll.