Self-Employed & Freelancers

You Work for Yourself. Your Health Coverage Should Too.

No employer benefits? No problem. The ACA Marketplace was built for people like you — and you may qualify for subsidies that make coverage far more affordable than you think.

Why the ACA works for freelancers

The Marketplace Was Made for You

Income-Based Subsidies

Your premium tax credits are calculated on your estimated annual income — not a fixed salary. You're in control.

Tax Deductible Premiums

Self-employed individuals can deduct 100% of their health insurance premiums from their federal taxes.

Flexible Enrollment

Life changes (income shifts, new contracts, etc.) may qualify you for a Special Enrollment Period outside Open Enrollment.

Full ACA Benefits

Same comprehensive coverage as any employer plan — doctor visits, ER, prescriptions, mental health, and more.

Tip for freelancers

Estimating your income for subsidy calculations can be tricky when your earnings vary month to month. Our agents are experienced with self-employed clients and will help you estimate accurately to maximize your savings.

What income do I use when applying?

Use your estimated net self-employment income for the year (after business expenses). If your income changes, you can update it mid-year to adjust your subsidies.

Can I deduct my premiums on my taxes?

Yes — self-employed individuals can deduct 100% of health insurance premiums paid for themselves and their family as an above-the-line deduction.

What if I have a really good year and my income jumps?

You may need to repay some of your subsidy at tax time. Our agents can help you plan ahead to avoid surprises.

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