When you work for yourself, nobody hands you a benefits package — and the quotes you find on your own can be eye-watering. Whether you're a freelancer, 1099 contractor, consultant, or solo business owner, you need coverage that fits the way you actually work and earn. That's my specialty.
You make too much for the biggest subsidies but not enough to shrug off a $1,500/month premium. Your income fluctuates. You want to keep your doctors. And you can't afford to be uninsured if something happens. Sound familiar?
Most self-employed people fall into a frustrating gap: too much income for the largest assistance, too little to comfortably absorb full-price coverage — with no employer splitting the bill. There's a better way to shop it.
As an independent broker, I compare private under-65 plans built for people in your exact situation — often with PPO-style flexibility, nationwide networks, and the ability to enroll any time of year. I explain the trade-offs in plain English, help you choose, and stick around long after you're covered. No fee to work with me, no pressure to enroll.
Weighing the public exchange against private coverage? Read my honest, plain-English guide: Private health insurance vs. the ACA marketplace for the self-employed →
Many private plans offer PPO-style networks, so you can often keep seeing the doctors you trust — typically without referrals.
Self-employed people may be able to deduct their health insurance premiums. I'll flag what to ask your tax pro — I don't give tax advice, but I point you in the right direction.
Private under-65 plans can often be applied for year-round — not just during a set open-enrollment window — so you're not stuck waiting.
You work with one licensed person from first call to enrollment and beyond — no call-center roulette, no being passed around.
Buying your own coverage for your household instead of through a job.
Explore family coverage →COBRA ending, between jobs, or losing a plan? Move fast and avoid a gap.
See gap options →Covering yourself as the owner or a small team without enterprise cost.
Explore group coverage →Fifteen minutes to talk through how you work and earn — then a clear, honest set of options.