Coverage for Self-Employed
Health coverage for people who are their own benefits department
When you work for yourself, nobody hands you a benefits packet in a conference room. You're the CEO, the payroll clerk, and the HR department — and HR just found out what unsubsidized health insurance costs in 2026.
America runs on self-employed people: tradespeople, farmers, freelancers, shop owners. Private PPO plans were practically built for this crowd — priced on your health rather than a group's, portable across clients and state lines, and available every month of the year.
The problems we hear every week
The subsidy cliff hit you first
Earn a good year and the marketplace subsidy vanishes — leaving you paying full sticker price for a narrow-network plan.
Income that moves around
Estimating next year's income for a subsidy application is a guessing game with a tax-time penalty for guessing wrong.
No open-enrollment safety net
Miss the window as a W-2 employee and HR fixes it. Miss it working for yourself and you may wait a year.
A private PPO tends to fit when you're…
- ✦Healthy self-employed individuals and families paying full price on the marketplace
- ✦1099 contractors who lost group coverage and were quoted eye-watering COBRA rates
- ✦Households earning above subsidy range (or newly cut off by the 400% FPL cliff's return)
- ✦Anyone who wants coverage that doesn't care who signs this quarter's checks
See what coverage costs for self-employed
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Questions we get from self-employed
Can I deduct my premiums?
Many self-employed people can deduct health insurance premiums for themselves and their families — talk to your tax professional about the self-employed health insurance deduction and how a private plan's premiums fit into it.
What if my income qualifies me for a big subsidy?
Then the marketplace may genuinely be your better road, and we'll tell you so. Our advisors compare both with you honestly — that's the whole job.
Can I enroll mid-year?
Yes. Private underwritten plans enroll year-round. No qualifying life event, no waiting for November.
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