One of the most common questions I hear from self-employed clients is: "What are my options?" When you don't have an employer offering a group plan, it can feel like you're on your own — navigating a confusing system with limited guidance.
The reality is that self-employed individuals, freelancers, contractors, and small business owners often have access to excellent health coverage options. The key is knowing where to look and understanding what's available beyond the ACA Marketplace.
The Marketplace is one option, and it works well for some people — particularly those who qualify for premium subsidies based on income. But for many self-employed professionals who earn above the subsidy threshold, marketplace premiums can be steep, and the plan networks can be restrictive.
That's where private health insurance comes in. Private plans are health-based, meaning if you're relatively healthy, you may qualify for significantly lower premiums compared to what you'd pay on the marketplace. These plans also typically include nationwide PPO networks, giving you the freedom to see any doctor or specialist without referrals.
“Being self-employed doesn't mean you have to settle for expensive, limited coverage. The right plan is out there — you just need someone to help you find it.”
Another advantage for self-employed individuals: private insurance is available year-round. You don't need to wait for open enrollment or experience a qualifying life event. If you need coverage now, you can apply now.
There are also options worth exploring around Health Savings Accounts (HSAs), short-term plans, and health sharing programs — though each comes with trade-offs that are important to understand before committing.
What I recommend to every self-employed client is this: don't just pick the first plan you find online. Take 30 minutes to have a real conversation about your situation — your health, your budget, your priorities. That's what I'm here for.
I offer complimentary consultations specifically for self-employed individuals who want to understand their options clearly. No obligation, no pressure — just straightforward guidance from someone who does this every day.
