For familiesCoverage that keeps up with life's moments
For the self-employed1099 income shouldn't mean 1099 coverage options
Whether you're covering a household, running your own business, or working as a 1099 contractor, we compare private PPO and ACA Marketplace plans across the major carriers — then match you to the one that actually fits your health and your budget.
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Different situations call for different plans. Here's where we're most likely to make your life easier.
Plans that cover the whole household without paying for coverage you'll never use.
Contractors, freelancers, and gig workers — construction, real estate, consulting, and more — get individual coverage built around variable income.
Commission-based income doesn't have to complicate your coverage. We find plans that work with how you actually get paid.
Stand-alone or add-on dental and vision so checkups and glasses don't come out of pocket.
Straight answers to what people ask us most.
Yes. If you're self-employed, a freelancer, or a 1099 contractor, you can buy individual coverage — either an ACA Marketplace plan (which may include income-based subsidies) or a private plan. As an independent agency, we compare both routes to match your income and your health needs.
A PPO describes the network: it gives you flexibility to see specialists and out-of-network doctors. “ACA Marketplace” describes a plan that meets Affordable Care Act rules, covering all Essential Health Benefits and never denying you for health history. Some private PPO plans are medically underwritten and aren't ACA-qualified. We walk you through the trade-offs so you can choose with confidence.
It's common for the self-employed, contractors, and commission-based workers like real estate agents. We look at your average income and household size to see what ACA subsidies you may qualify for, and compare that against private plan pricing so you're not guessing.
Tell us who needs coverage and what matters most, and we'll bring back real options.
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