What's different for you
Buying insurance as one of Florida contractors
Contractors and tradespeople often work for themselves or lead a small crew. Health insurance is separate from workers' compensation and liability coverage, and it's easy to put off until something happens.
That's why we start with the basics: what you'd pay in a normal year, what you'd pay in a bad one, and whether your doctors are covered.
1099 subs and sole proprietors
You're likely buying an individual plan. Marketplace premium help depends on income; private plans don't, but ask health questions.
Owners with a few employees
Group plans generally need at least one employee who isn't the owner or the owner's spouse. We can check what applies to you.
Seasonal or project-based income
Pick a plan you can keep through a slow month, and keep your income estimate current if projects change.
