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Self-employed & 1099 health plans in 49 states and DC (not Washington)

For freelancers, gig workers and owners who earn too much for subsidies. Compare private plans, HSA-eligible options and whether a small-group plan makes sense.

No SSNNo medical historyAbout 60 seconds

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What are you looking for?
Not available in Washington State.

Who needs coverage?

Age of oldest person

Yearly household income

Before taxes, for everyone on the plan.

Why we ask: if the ACA Marketplace would cost you less, we will tell you instead of calling.

Current coverage

When should coverage start?

Where should your agent call?

The ACA Marketplace may cost you less

At your income you may qualify for subsidies that private plans can't match. Compare those plans at HealthCare.gov or call 1-800-318-2596.

Go to HealthCare.gov

You're all set

A licensed agent from Private Market Health will call you shortly. Your request goes only to them and is never resold.

Goes only to Private Market Health. Never resold.

What to tell the agent

  • Rough household income band (helps the agent check subsidy eligibility).
  • Whether you have employees.
  • The agent will not ask for your Social Security number or medical history on the first call. Applications go directly to the carrier.

Self-employed & 1099 health plans by state

Read about private plans in your state.

Other private health insurance options

Tap to start your request with it already selected.

Private PPO & major medical

Compare off-exchange PPO and major-medical plans from private and association programs, with national networks like Cigna, Aetna or PHCS where available. Many are medically underwritten: price and approval depend on the carrier's application, not on this site.

Coverage outside open enrollment

Missed open enrollment? Some private plans accept applications any month. A licensed agent explains which ones you can apply for now and when a Marketplace special enrollment period may be better.

COBRA alternatives

Leaving a job? Compare your COBRA cost with private and Marketplace options before your election window closes.

Short-term health insurance

Temporary coverage for a gap between plans. Short-term plans are not comprehensive coverage and may exclude pre-existing conditions.

Small business group health

Group health for businesses with roughly 2–50 employees. Send a census to the agent and get quotes from the carriers you want compared.

Ready to compare? It takes about 60 seconds.

One licensed agency. No SSN. Never resold.

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