Freelancing, consulting, rideshare, delivery — the moment you're 1099 instead of W-2, health insurance stops being a checkbox on an onboarding form and becomes something you have to build yourself. Most people either overpay for a plan they don't understand, or go without.
The Self-Employed Coverage Problem
- No employer contribution, so the full premium is a personal budget line
- ACA marketplace subsidies depend on income that can swing month to month for gig work
- Bare-bones "just in case" plans that don't actually cover a routine doctor visit
- Decision paralysis from too many plan types with no one to compare them side by side
What We Compare For You
- Private $0 doctor visit PPO plans alongside ACA marketplace options
- Whether you qualify for subsidies based on your actual income
- Nationwide PPO access, since freelance work doesn't always mean staying in one metro
- A predictable monthly cost either way, so budgeting isn't a guessing game
There's no universally "wrong" plan type here — private and marketplace can both work. The point is comparing both instead of guessing.
How It Works
- Tell us where you are and what matters most — network, budget, prescriptions.
- We compare private $0 doctor visit PPO plans and marketplace options across 50+ carriers.
- You pick a plan, we handle enrollment. Zero cost to you, zero pressure.
Ready to see your options?
Free, no-obligation comparison — takes about 10 minutes.
Get My Freelancer Quote