No Employer Coverage? No Problem.
If you’re self-employed, a freelancer, or an independent contractor, you’re responsible for securing your own health insurance—but you also have flexibility.
No Employer Coverage? No Problem.
If you’re self-employed, a freelancer, or an independent contractor, you’re responsible for securing your own health insurance—but you also have flexibility.
Your Main Options
1. ACA Marketplace Plans
This is the most common option for self-employed individuals.
- Income-based subsidies can lower costs significantly
- Coverage includes essential health benefits
- No denial for pre-existing conditions
2. Private Health Insurance
These plans may offer:
- More flexibility
- Different network options
- Potentially lower cost (depending on health)
3. Health Sharing Plans (Situational)
Some individuals consider these as alternatives, but they are not traditional insurance and come with limitations.
Why Income Planning Matters
Your Marketplace premium is based on your estimated annual income.
- Lower income = higher subsidy
- Higher income = higher premium
Strategic income planning can save you thousands per year.
What We Help With
We don’t just help you pick a plan—we help you structure your coverage based on your income, business situation, and long-term goals.
Medicare Doesn't Have To Be So Hard....
Schedule your FREE consultation to have our team answer your questions and make Medicare easy for you!