Friendly Health Insurance GuyOran Rose, Heber City, Utah

Self-employed & 1099

Your own boss.
Your own benefits.

Choosing self-employed health coverage is a big business decision and an important personal one. There are more good options than most people realize. I'll explain them so the choice makes sense and eliminates undue stress.

See ACA pricesPrivate plan options

Estimating income

Marketplace tax credits depend on what you expect to earn. I help you land on a realistic number and update it as the year goes, so there's no surprise at tax time.

Both paths, side by side

ACA plans and private underwritten plans, compared by total yearly cost. Healthy, higher-earning self-employed people often do better on a private PPO plan.

Premiums are usually deductible

Self-employed people can generally deduct health premiums for themselves, a spouse and dependents. I'll flag what to bring up with your accountant.

Growing a team?

If you decide to add staff, I've got you covered. Ask me about group plans and reimbursement arrangements when the time comes.

Self-employed questions

Can self-employed people get ACA tax credits?
Yes. Tax credits are based on household income, not employment type. Many self-employed people qualify, and the self-employed health insurance deduction may lower your taxable income on top of that.
What income do I put on a Marketplace application?
Your best estimate of next year's net self-employment income (after business expenses) plus any other household income. I help you pick a realistic number and remind you to update it if the year goes differently.
Is a private plan better for freelancers?
Often, if you're healthy and don't qualify for a big tax credit. Private plans can be cheaper with lower deductibles and PPO networks, but they ask health questions. I quote both so you can compare total yearly cost.
Can I deduct my health insurance premiums?
Usually, yes. Self-employed people can generally deduct premiums for themselves, a spouse and dependents, as long as they weren't eligible for an employer plan. It's an adjustment to income, so you don't have to itemize. Confirm the details with your tax professional.
What if my income changes mid-year?
Update your Marketplace application. Your tax credit adjusts, which avoids owing money back or missing out at tax time. I can walk you through the update in a few minutes.

Running your own business? Let's cover you.

A 20-minute call is usually enough to know whether the Marketplace or a private plan wins for you this year.

Book a free call