Live Agents Available Now! Get a Quote in 5 Minutes.
Get a Quote
Menu
Get a Quote

Self-Employed Health Insurance That Protects Your Health and Your Income

  • When you work for yourself, everything depends on you — your time, your energy, your health. Without employer benefits, the responsibility 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 Self-Employed health insurance at the most competitive rates available.
  • You built your business. Let us help you protect it.

Call our local hotline immediately to speak with a licensed specialist.
Receive a custom quote in just 5 minutes over the phone.
Live agents are standing by and available now!

Get Your Free Quote Now

Receive a quote in 5 Minutes over the phone.

Self-Employed Health Insurance Plans & Pricing

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

Pricing varies based on 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 protection and affordability.

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

Coverage levels can be adjusted to fit your household’s needs and budget.

Optional Add-Ons Available

Vision, dental, and life insurance coverage can often be added for additional protection.

How Does Health Insurance for Self- Employed Professionals Work?

No matter what industry you work in — from real estate to construction, consulting to creative services — we can help.

We understand what it means to earn your own income and run your own business. You don’t have an HR department guiding you through benefits. That’s where we step in.

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

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

Your Best Options for Medical Insurance for the Self-Employed

Medical insurance for the Self-Employed gives you the flexibility that traditional employer plans often lack.
Private PPO Network options are available in many states, often with nationwide networks and access to specialists without referrals. You can enroll year-round without waiting for government open enrollment windows.
Our process includes:
  • A quick consultation with a licensed agent
  • A comparison of 25+ carriers (where available in your state)
  • Side-by-side plan guidance
  • Fast enrollment, often with coverage beginning quickly

Whether you are healthy and looking for lower monthly premiums or need coverage tailored to your current situation, we match plans to your real-world needs.

What Determines Self Employed Health Insurance Cost?

One of the biggest concerns for independent workers is cost.

Self-Employed health insurance cost varies based on age, state, health history, and plan type.

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

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

The fastest way to determine your actual cost is simple:

Call now and let us help you find the coverage you need — and nothing you don’t.

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

Find Affordable Health Insurance for Self Employed Individuals

You could navigate the market alone, or you could let an expert handle the heavy lifting. For over 25 years, Health Insurance Now has guided individuals and families across the country through the complexities of healthcare coverage.
Here is the Health Insurance Now difference:

Unbiased Comparisons

We compare 25+ carriers. Because we aren’t tied to a single insurance company, we work exclusively for you—not the provider.

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.

Speed & Efficiency

Our enrollment process is streamlined to get you covered without the wait.

Real Human Connection

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

Lifetime Support

We stay by your side long after you sign up. 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, time off means lost revenue. A single hospital stay can create medical bills large enough to disrupt your business and personal finances.

Medical debt remains one of the leading causes of financial hardship in America. Without proper
coverage, even routine emergencies can create long-term financial strain.

You protect your clients.

You protect your business.

Now protect yourself.

Frequently Asked Questions

Get answers to the most common questions about private health insurance.
Can I get health insurance if I am self-employed?
Yes. Being self-employed does not prevent you from qualifying for coverage. We help independent workers secure private plans in most states year-round.
Costs vary depending on your age, location, health status, and coverage level. Many individuals find private plans competitive compared to unsubsidized Marketplace options. A quick phone consultation provides exact pricing.
Private health insurance options are often available year-round. You typically do not need to wait for Open Enrollment.
Plan rules vary. Some plans may include underwriting, while others may offer specific provisions. We help identify options that fit your situation.
Individual carriers can only offer their own plans. We compare multiple carriers (where available in your state) to find competitive pricing and appropriate coverage tailored to your needs.

Looking for Immediate Help?

Call our hotline — agents are standing by right now.  Get a quote in 5 minutes!