Self-Employed
Health Insurance When You Work for Yourself
Freelancers, 1099 contractors, realtors, consultants, and solo business owners do not get a benefits package from an employer. The marketplace is one route, but it is not the only one. Private PPO plans were practically designed for people whose work and income do not fit the standard mold.
Built for unpredictable schedules and incomes
Self-employed income rarely arrives in neat monthly paychecks, and your need for coverage rarely lines up with an enrollment calendar. Private PPO plans enroll year-round, so starting a business, leaving a job, or losing coverage mid-year does not leave you waiting for a window to open.
Priced on your health, not a pool average
Marketplace premiums are community rated, and the subsidy math depends on estimating a self-employed income that may swing during the year. Private PPO plans are underwritten instead: if you are healthy, your rate reflects your own profile. For many self-employed people without a large subsidy, that comparison is worth running before defaulting to the marketplace.
A network that travels with your work
Contract and client work often crosses city and state lines. A nationwide PPO network means your coverage works where you work: see any doctor or specialist who accepts your insurance, in or out of network, with no referrals and no local network trapdoors.
The fastest way to see your options
The eligibility check takes about 60 seconds. A licensed advisor reviews your situation, confirms which of your doctors accept the plans you are considering, and lays out the real costs with no obligation.