Run your own show · health · dental · vision
Health insurance for people who sign their own paycheck.
Contractors, freelancers, consultants, the one-person shop.
When you work for yourself, the premium comes out of the same account the rent does. Answer a few questions and a licensed agent prices the individual and family plans that fit, then walks you through what each one costs in a bad year, not just per month.
This is a solicitation of insurance
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 they contact you, they'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.
The choosing is on you, and most people doing it for the first time don't realize these are four separate decisions rather than one.
Individual & family health
Health coverage you buy yourself. Plans differ on network, deductible, and monthly premium, and the one that's cheapest on any of those is usually expensive on another.
Dental
Dental is often its own policy rather than part of a health plan. Usually cleanings and exams, plus a share of the more expensive work.
Vision
Eye exams, glasses, contacts. Usually added alongside a health plan rather than bought on its own.
Supplemental
Accident, critical illness, hospital indemnity, and other fixed-benefit 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. It's the first thing the conversation sorts out, and it's usually a short one.
Why it's different
Self-employment changes things.
A few of them, anyway.
01 The choice
The individual market has its own insurance companies, networks, and rules, and nobody has narrowed it down for you before you get there.
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
When something changes, noticing it is your job too. A move, a marriage, a new baby, a plan that stopped working for you. Your agent is who you call about it, this year and next.
How it works
Your details.
Just your name, ZIP, and how to reach you. No documents to upload, no account to create.
The pricing.
The plans that fit a household like yours get priced. You hear back within a business day.
Your options.
Ask anything, take your time. If nothing fits, that's an answer too.
One less thing to run yourself.
You already run the invoicing, the scheduling, and the client work. Picking coverage is a job of its own. Hand that part over and get back to the work you're paid for.
What the conversation covers
- Which plans are actually available to you
- Whether your doctor is in the network
- What a bad year would cost you, not just the monthly premium
- Whether dental or vision are worth adding
Questions
The questions we hear most.
Short answers below. The ones that depend on your situation are better on the phone.