Self-Employed Healthcare
No employer health plan? Explore healthcare options for freelancers, 1099 contractors, consultants, gig workers, entrepreneurs, and business owners.
Free consultation • No obligation
When you are self-employed, you usually have to solve healthcare without an employer paying part of the premium. For freelancers, independent contractors, real estate professionals, consultants, tradespeople, gig workers, owner-operators, and small-business owners, that can turn healthcare into a major monthly expense.
We help self-employed Charlotte-area residents compare individual coverage and healthcare alternatives based on household needs, budget, provider preferences, eligibility, and financial responsibility. If your current insurance cost feels unsustainable, the first step is understanding what other approaches may be available.
Your work situation can affect which healthcare options are available and how you budget for them.
Income and household circumstances can affect eligibility for certain healthcare coverage options.
Self-employed workers often need to account for healthcare costs directly within a household or business budget.
Review whether the healthcare option works with the doctors and facilities you prefer.
Business growth, changing income, marriage, and other life events can change healthcare needs.
There is no universal price because healthcare costs depend on the option and your circumstances. Important factors can include household size, age, location, eligibility, monthly premium or contribution, deductible or member responsibility, provider use, prescriptions, and the program or plan terms.
We understand that self-employed people may have to manage healthcare choices without an employer plan.
We look beyond a monthly figure and consider the broader financial responsibilities associated with an option.
We recognize that a self-employed person's needs can change as work and household circumstances change.
Tell us about your household, current healthcare situation, and what you want to improve. We’ll help you compare relevant options and understand the tradeoffs before you decide.
Free consultation — no obligation
Tell us whether you are a freelancer, contractor, business owner, or another type of independent worker.
Consider who needs coverage and what healthcare expenses you expect.
Discuss the categories of healthcare approaches that may fit your circumstances.
Review costs, eligibility, provider considerations, exclusions, and other important terms.