Coverage options
Plans built for how you work.
Being self-employed doesn't mean settling for expensive or limited coverage. Here's what's actually on the table.
ACA Marketplace Plans
If your income falls within the subsidy range, you could qualify for significant premium assistance, even as a sole proprietor. Stevan runs the numbers to see what you'd actually pay.
- Income-based premium subsidies available
- All tiers: Bronze through Platinum
- Pre-existing conditions covered
Private / Off-Exchange Plans
For contractors and freelancers above the subsidy threshold, private plans often offer wider networks, more flexibility, and competitive pricing compared to Marketplace options.
- More carrier and network options
- Available outside Open Enrollment windows
- Short-term plans for gap coverage
HSA-Compatible Plans
High-deductible health plans paired with a Health Savings Account let you set aside pre-tax dollars for medical expenses. A popular option for healthier, budget-conscious self-employed individuals.
- Lower monthly premiums
- HSA funds roll over year to year
- Funds can be used for qualified medical costs
A note on tax benefits: Many self-employed individuals may be eligible to deduct health insurance premiums from their federal taxes — it's one of the reasons having your own plan can make financial sense beyond just coverage. That said, every situation is different, and Stevan is not a CPA or tax advisor. He'll help you find the right plan; your tax professional can advise on what's deductible for your specific situation.