Run your own show — health · dental · vision
Health benefits, without the HR department.
For people who work for themselves — and the people who work for them.
When you work for yourself, nobody hands you a benefits packet. Tell us a little about your situation and a licensed insurance agent will look at the individual and family options available to you — and walk you through them in plain English. Questions? Fire away.
Thank you — you're all set.
A licensed insurance agent will review your information and reach out within one business day — between 8 a.m. and 9 p.m. your local time. When we contact you, we'll mention it's about the request you made on this website.
- 01 — Request submitted
- 02 — Licensed agent review
- 03 — You compare and decide
What you're actually choosing between.
No employer plan doesn't mean no options. It means the choosing is on you, and most people doing this for the first time don't realize these are four separate decisions rather than one.
Individual & family health
Major medical coverage you buy on your own rather than through an employer. What's available depends on where you live, and plans differ on network, deductible, and how much you pay before coverage starts carrying its share.
Standalone dental
Dental is almost always its own policy rather than part of a health plan. Cleanings and exams, plus a share of the more expensive work.
Standalone vision
Eye exams, glasses, contacts. Usually added alongside a health plan rather than bought on its own.
Supplemental
Accident and critical illness plans pay a set amount when something specific happens. They sit on top of health coverage rather than replacing it — these are limited-benefit products and aren't a substitute for major medical insurance.
Not sure which you need?
Most people aren't. Working that out is the first thing an agent does, and it's usually a short conversation.
Why it's different
Self-employment changes three things.
Built for freelancers.
01 — The choosing
There's no employer plan menu. You choose from the individual market, which has its own insurance companies, networks, and rules.
02 — The timing
Timing depends on what you're looking at. Some coverage has a sign-up window, some opens after a life change like a move or a marriage, and some can be started at other points in the year. It's what people guess at most and get wrong most — ask before you assume you've missed anything.
03 — The follow-up
There's no HR desk to walk down to when something changes. A move, a new hire, a plan that stops working for you — that all lands on you now. An agent is who you call about it, this year and next.
How it works
Tell us about you.
The form takes about a minute: what coverage you're interested in, who it's for, and how to reach you. No documents to upload, no account to create.
An agent looks it over.
A licensed agent checks what's actually sold where you live, for a household like yours. They're not working off one company's shelf.
You compare and decide.
When we reach out, we'll say it's about the request you made here. Ask anything, take your time, and move forward only if something actually fits.
Working for yourself shouldn't mean going without coverage.
You already run the invoicing, the scheduling, and the client work. Picking coverage is what an agent does all day — hand that part over and get back to the work you're actually paid for.
What the conversation actually covers
- Which plans are actually available to you, which is narrower than most people expect
- Whether your doctor is in the network
- What a bad year would cost you, not just what the monthly premium is
- Whether dental or vision are worth adding, or whether they aren't
- How your business is set up, which changes what's available more than people expect
Questions
The questions we hear most.
Short answers below. The ones that depend on where you live and who's covered are better on the phone.