Health Insurance for the Self-Employed

You Don't Need an Employer to Get Affordable Coverage

Without an employer-sponsored plan, finding health insurance can feel like one more thing to figure out on your own. The good news: self-employed individuals, freelancers, independent contractors, gig workers, and small business owners have full access to the same marketplace plans and subsidies as anyone else — and in many cases qualify for substantial savings based on income that fluctuates month to month.

Why Self-Employed Coverage Looks Different

When your income varies — common for freelancers, consultants, and small business owners — subsidy estimates are based on your projected annual income, which gives you flexibility to adjust as your business changes throughout the year. You're not limited to a single employer's plan choices, so you can pick coverage that actually fits how you work and what you can afford.

Self-Employed Health Insurance Deduction

Many self-employed individuals can deduct their health insurance premiums from their taxable income, which can make coverage even more affordable than the sticker price suggests. A tax professional can confirm exactly how this applies to your situation, but it's one more reason coverage may cost less than expected.

Covering Your Team

If you're a small business owner with employees, you may also have options for group coverage depending on the size of your business. Whether you're shopping for yourself or trying to offer a benefit to your team, checking your options costs nothing and doesn't commit you to anything.