Coverage for Gig Workers
Coverage that works the way you do — anywhere, any schedule, no benefits desk
Rideshare, delivery, creator work, app-based everything: the gig economy runs the modern South, and none of it comes with a benefits tab. You're 1099 from every direction, and the marketplace's cheapest plans lock you into networks that don't match a life lived on the move.
Private PPO coverage fits the gig life because it's individual by design — priced on your health, enrolled any month, and carried with you across county and state lines like your phone plan.
The problems we hear every week
Income too lumpy for subsidy math
Big month, slow month — estimating annual income for subsidy applications is nearly impossible, and reconciliation at tax time can claw money back.
Networks built for staying put
Cheap marketplace HMOs cover one metro area. Gig work doesn't stay in one metro area.
No safety net between platforms
Deactivated, switching apps, or going full-time on your side hustle — none of it is a 'qualifying life event.'
A private PPO tends to fit when you're…
- ✦Healthy 1099 workers earning past meaningful subsidy range
- ✦Drivers and couriers working across multiple cities or states
- ✦Creators and freelancers who want to keep specific doctors
- ✦Anyone who needs to enroll now, not at the next open enrollment
See what coverage costs for gig workers
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Questions we get from gig workers
I'm young and healthy — do I even need real coverage?
One ER visit answers that question expensively. The good news: young and healthy is exactly the profile underwritten plans price best.
What if I qualify for Medicaid or a big subsidy in a slow year?
Then take it — genuinely. Our advisors will tell you when the public options beat anything we could offer.
Can I keep this plan if I move states?
PPO networks are nationwide, and your advisor can confirm portability details for your specific plan before you enroll.
Ready to find the right health insurance for you?
Ten minutes on the phone with a licensed Liberty Health advisor and you'll know what every option really costs — even if the honest answer is that the marketplace suits you better.
Mon–Fri, 8am–6pm CT