Health insurance for self-employed.
When you work for yourself, health coverage is a line item you pay in full. Private PPO plans are often the difference between a premium you budget around and one you dread.
- 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
No employer plan, no group rate, and a marketplace premium that reads like rent. 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 self-employed should check first.
- 01
Your income estimate
Marketplace subsidies run on projected income, which swings when you're self-employed. Compare both paths at a realistic number, not your best month.
- 02
The deduction
Self-employed people can often deduct health premiums. Ask your tax preparer how it applies to you before comparing net costs.
- 03
Your own doctors
No HR department will check networks for you. Confirm your doctors are in network before you enroll, not after the first bill.
Straight answers for self-employed.
Is health insurance a business expense?
For many self-employed people the premium is deductible, though the rules depend on your business structure and income. A tax professional can confirm it for your situation.
My income varies a lot. Which option is safer?
If a lean year could put you in subsidy range, the marketplace deserves a look. If you're consistently above it, private pricing is usually the stronger comparison.
Can I cover my family on the same plan?
Yes. Household size is one of the first things the review asks, and an advisor compares family pricing on both paths.
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