Affordable health coverage for the self-employed.
When you left your W-2 job, HR didn't come with you. We're your health-insurance HR department — a licensed independent agency that specializes in ACA plans, subsidies, and tax strategy for freelancers, gig workers, 1099 contractors, and solo business owners.
Built for the people W-2 benefits forgot.
We work exclusively with people whose income doesn't come with a benefits packet.
Freelancers
Designers, developers, writers, consultants. Variable 1099 income, no HR, no group plan.
Gig-economy workers
Rideshare, delivery, courier, and creator-economy earners with unpredictable weekly deposits.
1099 contractors
Independent contractors on long-term client engagements — no W-2 benefits, still need real coverage.
Solo business owners
Small business of one. LLC or S-Corp. You're the CEO, the operator, and the benefits department.
Three small steps. Zero pressure. Big peace of mind.
Tell us a bit about you
ZIP code, household size, rough income range. Takes about 60 seconds. No SSN. No credit pull.
We check every program you qualify for
ACA Marketplace subsidies, Medicaid, CHIP, low-cost private plans, dental and vision — all at once, in one place.
You pick the plan that fits
Talk to a real human licensed agent (free) or compare plans on your own. Zero pressure, zero spam — enroll only when you're ready.
Read before you enroll.
Health Insurance for the Self-Employed
The 2026 playbook — plans, subsidies, HSAs, and mistakes to avoid.
Read guide →ACA Subsidies for Freelancers
How MAGI works with 1099 income and what happens at reconciliation.
Read guide →1099 vs W-2 Health Benefits
Honest comparison of employer benefits vs what you rebuild as a freelancer.
Read guide →Health Insurance for Gig Workers
Rideshare, delivery, and creator coverage with variable income.
Read guide →The Self-Employed Health Insurance Deduction
How to write off premiums and stack an HSA for maximum tax savings.
Read guide →The "I had no idea I qualified" club.
I'd put off looking for years because I just knew I couldn't afford it. Turns out I qualified for a $0/month plan and my daughter qualified for free CHIP. I cried a little.
I thought freelancers got the short end of the stick. The advisor showed me a subsidy I didn't know existed and I'm paying $42 a month for real coverage.
COBRA was going to be $740/month. Special Enrollment got me on a marketplace plan within a week for $110. Same network. No gap in coverage.
Find out what you qualify for — in 60 seconds.
Five quick questions. No SSN. No credit pull. A licensed Meet Affordable Care advisor will reach out with every plan you actually qualify for — including ones you may not have known about.
- Licensed in all 50 states
- No Social Security Number required
- Free service — no obligation to enroll
- Talk to a real licensed human agent
- Compare every program you qualify for
Common questions
Yes — 1099 income qualifies for ACA marketplace plans and premium tax credits. Most self-employed workers earning under about $60,000 solo get substantial monthly subsidies.
A solo freelancer earning $45,000 net commonly finds Silver plans for $60–$180/month after subsidy. Family costs vary by state, age, and income projection.
No. We provide free plan comparisons based on your ZIP, ages, projected income, and household size. SSN is only required at actual enrollment.