Rideshare, delivery and gig work

Health insurance for gig drivers.

When you're paid by the trip or the delivery, nobody hands you a benefits packet. We compare Marketplace and private PPO plans so you know what you'd really pay.

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What's different for you

Buying insurance as one of Florida rideshare and gig drivers

Rideshare, delivery and other gig work come with no employer plan and income that changes week to week. That makes your income estimate and your out-of-pocket costs the two numbers to watch.

We compare plans with your actual numbers and check that your doctors are covered where you drive and live.

Net income, not gross

Your income estimate for Marketplace premium help is based on what's left after business expenses. Ask your tax professional what counts.

Income that changes weekly

Update your income estimate on a Marketplace account when it shifts, so you don't owe money back at tax time.

A plan that works across the area

If you drive across Broward and Miami-Dade, a broader PPO network may matter more than a low premium.

Two main options

Marketplace or private PPO?

Most people working for themselves choose between two kinds of plans. They work differently, and we compare both with your real numbers.

ACA Marketplace plans

Accept everyone regardless of health history, cover a standard set of benefits, and can come with premium help that depends on your income.

Private PPO plans

Often have broader doctor networks and some options with no deductible. They ask health questions and can limit or exclude coverage. Some aren't ACA-compliant, so we go through exactly what's covered.

Many self-employed people can deduct health insurance premiums on their taxes. Ask your tax professional how that applies to you.

Questions

Common questions

Do I count gross or net earnings?

For self-employed income, Marketplace help is generally based on net income after business expenses. Ask your tax professional what counts for you.

What if my income drops mid-year?

You can update your estimate on your Marketplace account at any time. It's the best way to avoid a surprise later.

Is a private plan an option for me?

It can be, if you're approved. Private plans ask health questions and can limit or exclude coverage, so we compare both.