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Health Insurance options if you’re self-employed The help you need to find the insurance plan you want

Getting low-cost health coverage if you’re self-employed doesn’t have to be difficult. Let’s find the plan for you.

Shop plans now  Get a better health plan. Opens in new window or Call us at 844-260-6811

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Self-employed workers. Freelancers. Independent contractors. We’ll help you find the health insurance coverage that fits your needs and budget.

Assurance, a Prudential company is one of America’s leading health insurance services—and we help thousands of independent workers and their families find quality, affordable plans that fit their unique work/life balance. Just starting out on your own? Looking for a better plan? We’re here to help.

 

  • Look to us to help you find, select, and quickly enroll in a health plan that gives you the peace of mind to focus on your work, family, and goals
  • Call our licensed agents any time—on your schedule—to ask questions and get guidance on the right plan for your needs and budget
  • Let us do the work to compare appropriate policies, benefits, and costs from respected health insurance carriers close to where you live
  • Keep it simple—your time is valuable, so we guide you through a user-friendly experience to help you get the coverage you need, all in just a few steps

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ACA plans are comprehensive, with costs often based on your income

Incomes vary among self-employed workers, even from year to year. And that could make affordable, ACA coverage (comprehensive Affordable Care Act plans) a good option. Do you have diverse medical needs? Will you be self-employed for the foreseeable future? Consider your income and where you live, and we’ll help you find the plan you need.

Special enrollment period: Now open Feb. 15th – May 15th

 

Short-term health plans are flexible and affordable, but provide fewer benefits

Short-term health insurance is temporary, month-to-month coverage—and especially popular with self-employed people who need a bridge between longer-term health plans. Many also provide some coverage for emergency care and illness that might cost you thousands of dollars if you are uninsured. Looking for a short-term fit? We’ll sort through providers to help you find you the right coverage at the right price.

Added benefit: You can enroll in a short-term plan at any time.

 

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Have questions? Our licensed agents can discuss any kind of coverage you may need

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Employer-based COBRA plans

COBRA allows you to pay out-of-pocket to temporarily continue the insurance coverage you had through your employer.

Government Medicaid plans

Medicaid plans are need-based health insurance programs available to individuals in certain income brackets.

Parent-sponsored coverage

If you are under 26 years old, you may be able to re-enroll or remain covered by your parents’ health insurance plan.

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FAQs: Health insurance if you’re self-employed

Here’s a few quick answers about getting health insurance on your own.

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  • Costs vary based on your income and your age.

    Like any individual health insurance plan, premiums and out-of-pocket costs for self-employed workers vary widely—but largely depend on where you live (you may be eligible for cost-saving subsidies), how much you earn, and your age.

  • Excluding employer-based health insurance, you have a number of options.

    Individual plans through the ACA marketplace are a good place to start if you have a relatively stable income and plan on staying self-employed. But you may also be eligible for Medicaid, or ready for Medicare if you are near or over 65. Or you may decide to enroll in short- term health insurance as a temporary solution.

  • A special enrollment period will take place from February 15, 2021 through May 15, 2021 for individuals and families for ACA marketplace coverage in response to the COVID-19 pandemic. The special enrollment period is for the 36 states served by the Health Insurance Marketplace.

  • You can find out if you’re eligible by visiting HealthCare.gov Opens in a new window or by contacting the marketplace call center. If you’re interested in enrolling in Medicaid or the Children’s Health Insurance Program, you may already be eligible for existing special enrollment periods.

  • If you’re eligible and enroll during the special enrollment period, your coverage will begin on the first of the month after you’ve selected a plan.

  • As of January 1, 2019, federal law no longer requires individuals to have health insurance.

    Some states have their own health insurance coverage mandates, so be sure to check the laws in your area. For people who are self-employed, health insurance can be vital to protect your health and your finances. If there’s an emergency medical event or unexpected major illness, paying for medical expenses out-of-pocket could leave you with long-term medical debt.

  • Yes—self-employed individuals can find plans available to cover spouses and families.

    Check specific plans for details.

  • Medicaid eligibility is generally based on income.

    If your income is low, you may qualify for low-cost insurance or free coverage through Medicaid. But as your income increases, you should adjust your coverage to make sure you're getting the savings you are eligible for.

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Finding the health coverage you need now is easier than you think

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Call or start online and tell us about your needs and budget

Find the right plan for yourself or your family

Get covered quickly when you apply online and speak with our licensed agents 

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Need-to-know articles on self-employment to help you stay informed

There’s more to learn about your health insurance options—starting right here.

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Look to these online resources for more information on related topics

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Find the affordable health insurance that fits your needs. Call 844-260-6811 or visit us online today.

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Footnote

Assurance IQ, a wholly owned subsidiary of Prudential Financial, Inc., matches buyers with products such as life and health insurance and auto insurance, enabling them to make purchases online or through an agent. Neither Prudential Financial, Inc. nor Assurance IQ offers, underwrites, or administers health plans or health insurance policies.

 

For Compliance Use Only:1044598-00002-00