Self-Employed? How to Get Affordable Health Insurance Without an Employer

Think you can’t afford health insurance because you’re self-employed? Think again. Learn how independent workers qualify for ACA subsidies and get coverage that fits their budget.

You Don’t Need a Boss to Get Great Health Coverage

If you're self-employed, you already wear a dozen hats — marketer, accountant, service provider, problem solver.

But when it comes to health insurance, a lot of independent workers:

• Think they make too much to qualify for help

• Settle for expensive short-term plans or nothing at all

• Don’t realize they could get real coverage with real benefits — often for $0/month

Here’s how to do it the smart way — without an employer.

💼 What Counts as Self-Employment?

You’re likely self-employed if you:

• Run a business or LLC

• Freelance or contract (1099)

• Drive for Uber, DoorDash, or Instacart

• Sell products or services independently

• Own a side hustle that earns income

If you file a Schedule C on your taxes — you’re self-employed.

💡 How the ACA Helps Self-Employed People

Thanks to the Affordable Care Act, self-employed individuals can get coverage through the Marketplace — just like someone working for a company. And here's the key:

In many cases, people making up to $50,000–$60,000/year (individual) or over $100,000 (family of 4) still qualify for assistance.

🧾 How Your Income Is Calculated

Marketplace plans use Modified Adjusted Gross Income (MAGI) — not gross business income.

That means you can deduct expenses like:

• Home office

• Equipment

• Marketing and software

• Internet or phone

• Business meals or mileage

So even if you make $70K, after expenses you might report $35K — and qualify for a $0 or low-cost plan.

🏥 What You Get with ACA Coverage

These are full health plans, not junk insurance:

• Free preventive care (checkups, screenings, vaccines)

• Prescription coverage

• Emergency care

• Mental health and virtual visits

• Maternity, lab work, and more

You can also choose your doctors and coverage level — just like employer plans.

⚠️ Don’t Fall for Short-Term Plans

Many self-employed folks get pitched "cheap" insurance. But those plans:

• Don’t cover pre-existing conditions

• Skip maternity, prescriptions, or mental health

• Cap coverage or cancel when you actually need it

They’re not ACA-compliant — and don’t qualify for tax credits.

🙋 I Specialize in Helping Self-Employed Clients

As a licensed ACA agent, I:

• Help you estimate your business income the right way

• Show you every plan you qualify for (with subsidy applied)

• Help you enroll fast — at no cost to you

• Stick with you all year for support

📞 Ready to See What You Qualify For?

Whether you’re a full-time entrepreneur or part-time side hustler — let’s find coverage that protects you and fits your budget.

📱 Call or text: 407-815-5238💬 Chat live now: Live Agent buttom left

🗣️ Real Client Story

"I’m a full-time designer and thought I’d have to pay $400 a month. Jackson helped me estimate my income correctly, and I got a full plan for $37. Total game-changer."— Melissa, Orlando FL

You Built Your Business. Let’s Build Your Health Plan.

You don’t need an HR department — just the right information and a guide who’s on your side.

👉 [See Your Options Now]👉 [Book a Free Consultation]