Self-Employed
Health insurance for the self-employed.
If your income doesn't come with a benefits department, we act as one. We compare marketplace, private, and short-term plans against your realistic income projections and preferred providers — and explain how the self-employed health insurance deduction may fit in.
Who this may suit
- Freelancers, consultants, and 1099 contractors.
- Solo LLC and S-corp owners without group coverage.
- Gig-economy workers with variable monthly income.
- Recently self-employed and losing employer coverage.
Important considerations
- Estimating income accurately affects whether you qualify for premium tax credits.
- Off-exchange (private) plans can enroll year-round but do not use subsidies.
- Short-term plans have narrower coverage and are not ACA-compliant everywhere.
- Tax treatment of premiums (Schedule 1 self-employed health insurance deduction) depends on your setup — consult a tax professional.
Common questions
Can I write off my premiums as self-employed?+
In many cases, yes. Self-employed people who report a net profit and are not eligible for another employer's group plan may deduct qualifying premiums. Talk to a tax professional about your specific situation.
Marketplace vs private — which is better for me?+
Marketplace plans open access to premium tax credits when income qualifies. Private off-exchange plans skip subsidies but can offer broader PPO networks and year-round enrollment. We compare both.
What if my income fluctuates?+
We help you project income realistically and, if you're on a subsidized plan, explain how to reconcile at tax time so you're not surprised.
Do I need to bundle dental and vision?+
No. They can be added separately if you want them.
Related coverage
Plan availability, eligibility, pricing, benefits, provider networks, and underwriting requirements vary by state, carrier, and individual circumstances. Summit Health Advisors does not represent every carrier or every plan available in your area. Submitting information does not guarantee coverage, pricing, enrollment, or eligibility.