01 — Self-Employed & 1099

You work for yourself.
Your coverage should too.

Freelancers, contractors, and solo founders have unique coverage needs — and unique advantages most brokers don't explain. Let's fix that.

What you're dealing with

No employer plan doesn't mean no good options.

When you leave a W-2 job, the employer plan goes with it. A lot of self-employed people default to COBRA without realizing there are usually better, cheaper options available right now — not just during Open Enrollment.

Private plans don't require a qualifying life event. You can apply any month of the year, and I'll compare options from every major carrier so you're not guessing.

  • Access to private plans with no enrollment window restrictions
  • ACA marketplace options if your income qualifies for subsidies
  • HSA-eligible plans that reduce your taxable income
  • Self-employed premium deduction — up to 100% on your taxes
  • Short-term coverage while you compare longer-term options
The tax deduction most 1099s miss
If you're self-employed with no access to a spouse's employer plan, you may be able to deduct 100% of your health insurance premiums from your taxable income. That changes the real cost of your monthly premium significantly. I'll walk you through how it applies to your situation.
What about the marketplace?
Depending on your net income, you may qualify for ACA subsidies that dramatically lower your monthly premium. But marketplace plans aren't always the best fit — sometimes a private plan off-exchange is a better value. I'll show you both side by side.
Variable income? Here's how to handle it.
Inconsistent monthly income doesn't disqualify you — it just requires a little planning. I help freelancers and contractors pick plans that stay affordable whether it's a slow month or a great one.

Ready to get covered?

Book a free 20-minute call.
I'll pull your options the same day.

No pressure. No pitch. I'll tell you exactly what's available and what it costs — including options your employer-sponsored friends don't have access to.

Book a Free Consultation Send an Email

Prefer to call? (719) 661-9957 — I pick up.