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Medical Insurance for the Self Employed: Protect Your Health and Your Business

  • When you work for yourself, everything depends on you—your time, your energy, and your physical well-being. Without corporate employee benefits, the heavy lifting of securing the right coverage falls entirely on your shoulders.
  • At Health Insurance Now, we specialize in helping independent professionals, freelancers, consultants, contractors, and small business owners find the best insurance at the most competitive rates available today.
  • You built your business from the ground up. Let us help you protect your legacy.

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Medical Insurance for the Self Employed: Plans & Pricing

Individual Plans
Starting as low as $150–$490 per month

Pricing varies based on your chosen coverage level, deductible, maximum out-of-pocket, and benefit limits.

Member + Spouse Plans
Typically range from $257–$590 per month

Flexible plan designs allow you to choose the right balance of healthcare protection and monthly affordability for your household.

Family Plans (Including Children Under 26)
Approximately $370–$1,100 per month

Comprehensive coverage levels can be adjusted to fit your specific family’s health needs and your monthly business budget.

Optional Add-Ons Available

Vision, dental, and life insurance coverage can often be bundled for total protection.

How Does Medical Insurance for the Self Employed Work?

No matter what industry you work in—from real estate and construction to consulting or creative services—we have a solution that fits.

We understand the unique challenges of earning your own income. You don’t have an HR department to guide you through complex enrollment windows. That’s where our expertise steps in.

Our team works one-on-one with self-employed individuals across the country. We guide you through every step of the search, explaining your options clearly and helping you select only the benefits you actually need—nothing unnecessary and nothing inflated.

You get real human support, personalized plan recommendations, and a streamlined enrollment process designed to safeguard both your health and your professional income.

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Your Best Options for Medical Insurance for the Self Employed

Securing medical insurance gives you the flexibility that rigid, one-size-fits-all employer plans often lack.

Private PPO Network options are available in many states, often featuring nationwide networks and access to specialists without the hassle of referrals. Furthermore, you can often enroll year-round without waiting for government-mandated open enrollment windows.

Our process includes:
  • A quick consultation with a licensed insurance agent
  • A comparison of 25+ carriers (where available in your state)
  • Side-by-side guidance on plan benefits and exclusions
  • Fast enrollment, often with coverage beginning almost immediately
Whether you are healthy and seeking lower monthly premiums or need a plan tailored to a specific situation, we match coverage to your real-world needs.

What Determines the Cost of Medical Insurance for the Self Employed?

One of the primary concerns for any independent worker is the bottom line.

The cost of medical insurance for the self employed varies based on age, location, health history, and plan type.

However, many of our clients are surprised to find that private options can be significantly more affordable than unsubsidized Marketplace plans with similar deductibles.

Instead of being placed into a broad, high-risk pool, private plans may allow for more individualized rating structures. This often means that healthier individuals can access more competitive, budget-friendly pricing.

The fastest way to determine your actual cost is simple:

Call our hotline and receive a personalized quote in 5 minutes.

No guesswork. No confusing online forms. Just clear numbers and real options.

Find Affordable Medical Insurance for the Self Employed

You could attempt to navigate the complex insurance market alone, or you could let an expert handle the heavy lifting. For over 25 years, Health Insurance Now has guided individuals across the country through the complexities of healthcare.
The Health Insurance Now Difference:

Unbiased Comparisons

We compare 25+ carriers. Because we aren’t tied to a single insurance provider, we work exclusively for you to find the best medical insurance for the self employed.

Top-Tier Short-Term Options

Our proprietary comparison tools allow you to evaluate the best short-term plans side-by-side to find the perfect fit for your transition or lifestyle.

Speed & Efficiency

Our enrollment process is streamlined to get you covered quickly, avoiding the typical bureaucratic delays.

Real Human Connection

Forget bots and confusing portals. You get direct access to licensed specialists ready to guide you personally.

Lifetime Support

We stay by your side long after you sign the policy. Whether you have billing questions or need coverage clarification, we are here to help.
With Health Insurance Now, you aren’t just buying a policy—you’re gaining a dedicated advocate.

Why You Shouldn’t Wait

As a self-employed professional, every day you are sidelined is a day of lost revenue. A single hospital stay can create medical bills large enough to disrupt your business growth and personal savings.

Medical debt remains a leading cause of financial hardship. Without proper medical insurance for the self employed, even routine emergencies can create long-term financial strain on your business.

You protect your clients.

You protect your business.

Now, protect yourself.

Frequently Asked Questions (FAQ)

Get answers to the most common questions about private health insurance.
Can I get medical insurance if I am self-employed?
Yes. Being self-employed does not prevent you from qualifying for top-tier coverage. We help independent workers secure private plans in most states throughout the year.
Costs fluctuate based on age, location, health status, and coverage level. Many individuals find our private plans very competitive compared to unsubsidized Marketplace options.

Yes, many private options are available year-round. You typically do not need a “qualifying life event” to apply.

Plan rules vary by state and provider. Some plans involve medical underwriting, while others offer specific provisions. We help you identify the options that fit your specific health history.
Individual carriers can only sell you their own products. We compare multiple carriers to find the most competitive pricing and appropriate coverage tailored specifically to your needs.

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