If you work for yourself, you buy your own health coverage. Most self-employed people end up on an individual marketplace plan, often with a premium tax credit.
Your main options
- Marketplace plans through HealthCare.gov or your state's exchange, with a premium tax credit if your income qualifies.
- Off-exchange plans bought directly from an insurer or through an agent. Same ACA protections, but no subsidy.
- A spouse's employer plan, if one is available.
- Medicaid, if your income is low enough in your state.
Licensed agents compare plans from several carriers, check your doctors and estimate your subsidy. Free to you.
Call 866-645-8540Estimating income
Subsidies are based on your expected net self-employment income for the year. Estimate carefully and update the marketplace if your income changes so you don't owe money back at tax time.
The self-employed health insurance deduction
Many self-employed people can deduct premiums for themselves and their family. Talk with a tax professional about how the deduction interacts with any premium tax credit.
Plans that look cheaper
Short-term, fixed-indemnity and health-sharing options are often marketed to the self-employed. They are not ACA-compliant coverage and may not cover pre-existing conditions or major care. Read the details before you choose.
Getting help
Licensed agents work with 1099 and self-employed clients every day and can compare plans for you at no cost.
Find local help
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