Health insurance for contractors & trades.
Trades work carries risk that makes coverage non-optional. We'll be straight with you about what a private plan does and doesn't handle.
- Pre-existing conditions covered
- Enroll any day of the year
- A licensed advisor, no pressure
- No cost to talk it through
Step 1 of 5
Let's find your coverage
Start with your state.
Plans from nationally recognized carriers
Carriers include UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield, Humana, Anthem, Allstate Health, Oscar.
What a private PPO can do that most plans can't.
Pre-existing conditions covered
An advisor tells you straight which plans will take your health history.
Enroll any day of the year
No six-week window. Coverage can start when you need it to.
Broad nationwide PPO networks
Keep your own doctor in most cases and stay covered across state lines.
Never sold to third parties
Your details stay with us and are never resold.
What usually goes wrong
Physical work, no employer plan, and real injury risk. Most people in your situation land on the marketplace, see an unsubsidized bronze premium around $750 a month with a deductible north of $5,000, and conclude that health coverage simply isn't affordable. That conclusion is often wrong — it's just that nobody showed you the other shelf.
Private PPO plans sit outside the marketplace. They're medically underwritten, which means not everyone is approved, and they aren't subsidized. What they offer in exchange is a materially lower premium, a broad nationwide network, and no enrollment window to wait for.
What a private PPO gives you
- Pre-existing conditions covered
- Enroll any day of the year — no six-week window
- Broad nationwide PPO networks
- Keep your own doctor in most cases
- Your details are never sold to third parties
And the honest caveat: if you qualify for Medicaid or a significant ACA subsidy, that will beat this. Your advisor will say so rather than sell around it.
Three things contractors & trades should check first.
- 01
Injury on and off the job
Workers' comp covers work injuries if it applies to you. Health coverage handles everything else.
- 02
Project-based income
Between-job months are exactly when coverage lapses. Pick a premium that holds through a slow season.
- 03
Urgent care access
Check copays for urgent care and imaging. They matter in a physical trade.
Straight answers for contractors & trades.
Doesn't workers' comp cover me?
Only for work-related injuries, and only if it applies to your setup. It doesn't cover illness, family members or off-the-job injuries.
I'm a 1099 contractor. Can I still get a good plan?
Yes. Most of the people we help are paid on 1099s. Your household, state and health history drive the options, not your tax form.
Is a short-term plan fine for a slow season?
For a few weeks with a firm end date it can work, but its exclusions make it a poor long-term plan.
Three steps, and you're never locked in.
- 01
Tell us the basics
State, household, pre-existing conditions and timing. About thirty seconds — no SSN, no date of birth.
- 02
A licensed advisor reaches out
Real options, real costs and the honest trade-offs, in plain English.
- 03
You decide
Enroll if it fits, or don't. No cost to talk and no obligation at any point.
See what you actually qualify for.
Four questions, a licensed advisor, a straight answer. No cost, no obligation, no pressure.
Secure & private. By submitting you agree to be contacted by a licensed advisor.
Year-round enrollment
Private PPO plans are not tied to open enrollment.
Never sold
Your details are not passed to a lead list.
256-bit SSL encrypted
Your details are protected from the first click.
No cost, no obligation
Talking it through is free. You decide.
Step 1 of 5
Let's find your coverage