Self-employed health insurance
Health Insurance for Sole Proprietors & the Self-Employed
Affordable. Tailor-made. Essential. Get coverage for you and your family that's built around how you actually earn and work.
- Plans not tied to your income
- Family coverage options
- Enroll year-round
- Licensed & independent
- 100% no-cost guidance
- 25+ years of experience
- Year-round, real-person support
A simple 3-step process
Find the right insurance for you
Share your basic information
Tell us about you, your business and the coverage you want — online or by phone. It's quick and easy.
We present your options
We'll show plans that fit your health needs, budget and family situation, from multiple carriers.
Choose the right plan
Pick the plan that fits best. Not sure? We'll guide you step by step and answer every question.
Health insurance built for people who work for themselves
Owning your own business gives you freedom — but it also means nobody hands you a benefits package. As a sole proprietor, freelancer or 1099 contractor, you're responsible for protecting your health, your family and the business that depends on you.
American Medical Plans has helped self-employed Americans find quality, affordable health coverage for more than 25 years. We understand variable income, write-offs and the trade-offs between private and Marketplace coverage, so you can get back to running your business.
Your options as a sole proprietor
Private (non-ACA) health plans
Underwritten private plans often deliver lower premiums and national networks for healthy business owners — and they're not tied to your income, so there's no subsidy reconciliation surprise at tax time.
ACA Marketplace plans
If your income qualifies for a premium tax credit or you have significant health conditions, a Marketplace plan may be the better value. We'll run the numbers both ways.
Small group coverage
Once you add employees, group health insurance can cover your whole team and offers potential tax advantages for the business.
Supplemental protection
Pair your health plan with critical illness, accident or life insurance to protect your income if you can't work.
Why it matters
Peace of mind while you run your business
Quality coverage
Healthcare coverage you'd expect from major health insurers, without the hassle.
Affordable premiums
Every dollar counts. We'll find you the most competitive rates available.
Trusted providers
Access the same networks of great providers often found in large employer plans.
FAQ
Self-employed health insurance questions
What health insurance options do sole proprietors have?
Most sole proprietors choose between private individual plans, ACA Marketplace plans, and — if you have at least one W-2 employee besides a spouse — small group coverage. We compare all three for you.
Can I deduct my health insurance premiums?
Many self-employed people can deduct health insurance premiums for themselves, their spouse and dependents under the self-employed health insurance deduction, subject to IRS rules. Talk with your tax professional about your situation.
Can I get a group plan as a one-person business?
Generally, small group plans require at least one eligible employee who isn't the owner or the owner's spouse. If you're a true one-person business, individual private or Marketplace plans are usually the right fit.
What if my income changes year to year?
Variable income can make ACA subsidies unpredictable and lead to repayment at tax time. Private plans aren't tied to income, which many business owners prefer. We'll help you weigh both.
Get covered and get back to business
One quick conversation, plans from several carriers, and zero cost to you.