Coverage strategies for freelancers, contractors, and business owners without an employer plan.
When you work for yourself, you choose and pay for coverage directly. These guides walk through Marketplace, private, and supplemental options, plus the record-keeping that can matter at tax time.
Eligible self-employed people may deduct qualifying health insurance premiums. Business income, employer coverage and Marketplace credits affect the amount; the deduction does not reduce self-employment tax.
A gap of a few weeks is where most uninsured claims happen. Three paths cover it, and each has a timing rule that decides whether it works.
Irregular income makes the estimate harder, not the coverage worse. A few habits keep gig workers insured without overpaying.
Being paid on a 1099 changes who buys your coverage, not what good coverage looks like. Here is how to run the comparison without getting lost.
One of the more valuable deductions available to the self-employed, and one of the easiest to lose to a paperwork gap or an overlooked eligibility rule.
Without an employer plan, you are the benefits department. Here are the paths worth comparing and the order that makes the comparison manageable.
Self-employed: taxes + coverage (simple): a plain-language guide for self-employed — what to understand, how to compare your options, and the mistakes worth avoiding.
Self-employed insurance checklist (Arizona): a plain-language guide for self-employed — what to understand, how to compare your options, and the mistakes worth avoiding.
Prestige Insurance Group is a team of licensed insurance advisors, not the insurer.