A Licensed Agency Built for the Self-Employed.
We're an independent insurance agency — not tied to any single carrier — that specializes in health coverage for freelancers, 1099 contractors, gig workers, and solo business owners.
Affordable Care was founded by insurance professionals who spent years watching the same story play out: a designer, a Lyft driver, a consultant, a freelance developer leaves a W-2 job, discovers HR wasn't just paperwork — it was quietly handling one of the biggest expenses in their life — and then panic-buys the first plan a call center recommends.
We built this agency to be the version of that decision that actually works: licensed advisors who understand 1099 income, who can walk you through the ACA subsidy math for variable earnings, who know how the self-employed health insurance deduction stacks with an HSA, and who compare 50+ carriers on your behalf. We're paid by the carriers, the same commission whether you enroll through us or through HealthCare.gov directly — so our service is free to you, and our incentives are to actually get you into the right plan.
We're headquartered in Tampa, FL, licensed in all 50 states, and we take one call at a time. No call-center scripts. No pressure. If we're not the right fit, we'll tell you.
Our licensed advisors
Every quote is reviewed by a state-licensed insurance agent with a real National Producer Number.
Fifteen years placing coverage for self-employed clients — from solo freelancers to small agencies with 1099 contractors. Specializes in ACA subsidy optimization for variable 1099 income.
Former W-2 employee who went freelance and learned the health-insurance system the hard way. Now walks clients through the same transition every week.
Focuses on gig-economy workers — rideshare drivers, delivery couriers, creators, and consultants — matching plan design to unpredictable monthly income.
Ready to see your options?
A licensed advisor will walk you through the plans that fit your income and household — free, no obligation.
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