You work for yourself. Your insurance shouldn't cost like you're a corporation.

Contractors, cleaners, construction crews, landscapers, rideshare drivers, stylists, restaurant owners: most qualify for help and don't know it.

In short

  • We use your net profit, not your sales
  • We help estimate variable income
  • You can often deduct your premium
  • We flag when income changes affect your credit

Why it's different when you're self-employed

Your income changes month to month and you don't have a pay stub. That makes it easy to estimate wrong: too high and you overpay every month; too low and you may owe at tax time. Your agent helps you land on a realistic number.

What we go over with you

  • Last year's net profit and how this year is going
  • Business expenses that lower your income: tools, mileage, materials, phone
  • Whether a Bronze plan with an HSA or a Silver plan with discounts fits better
  • When to update your application if your work changes

Read the full guide: Health insurance when you work for yourself.

Have employees?

If you have one or more employees, there are also ways to offer them benefits. See small business coverage.

Get a quote in two minutes.

Tell us what you need and a licensed agent compares plans for you. No pressure, no cost.

  • We check whether you qualify for a tax credit before comparing
  • We confirm your doctors and prescriptions are covered
  • The same agent helps you when you renew
Step 1 of 3

What kind of coverage do you need?

  • No cost
  • No obligation
  • Spanish or English

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Frequently asked questions

I haven't filed taxes in years. Can I enroll?

To get a tax credit you need to file taxes for the year you receive it, and if you got a credit before, have filed and reconciled those years. Your agent reviews your situation and tells you what to do first.

I get paid in cash. How do I prove it?

If the Marketplace asks for proof, a profit and loss statement, receipts or your tax return work. We give you a simple template.

What if I earn a lot one month and nothing the next?

What counts is the yearly total. We make a realistic average and adjust it if things change.

Want to talk through your situation?

A licensed agent reviews your options in Spanish or English, at no cost and with no obligation.

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