Health insurance when you're self-employed

Where self-employed people actually get coverage

The two main paths are the ACA Marketplace (Healthcare.gov plans, where you may qualify for subsidies that lower your premium based on your income) and private health plans sold off-marketplace that many people never see on their own. Which one wins depends on your income, your doctors, your prescriptions, and how you use care. There's no single "best" plan — there's a best plan for you.

Do self-employed people qualify for subsidies?

Often, yes. ACA premium tax credits are based on your estimated annual income, not on having an employer. Many self-employed people are surprised how much their premium drops once eligibility is checked correctly. Estimating 1099 income for a subsidy is easy to get wrong, and getting it wrong can cost you at tax time — this is exactly where a broker earns their keep.

Can I deduct my premiums?

Self-employed individuals can often deduct health insurance premiums (the self-employed health insurance deduction). This is a tax question, so confirm the specifics with your tax professional — but it's worth knowing before you choose a plan.

How I help

I'm Carson Hornish, an independent broker licensed in 24 states (NPN 21581721). I compare every plan you qualify for — Marketplace and private — explain the trade-offs in plain English, check your subsidy eligibility, and enroll you. It's free; brokers are paid by the carriers, not by you.