Best Health Insurance Options for the Self-Employed

Can I Get Health Insurance if I’m Self-Employed?

In short, yes. There are several different options for securing health insurance coverage when you’re self-employed. If you do decide to go the self-employed route, make sure you add healthcare spending as a budget line item.

Don’t go without coverage because you think it’s too expensive. Even if you’re young and healthy, you never know when something could go wrong. It takes just one medical emergency for the bills to start piling up.

While having coverage in place is essential, review all of your options first. It’s important to do your research and consider all the different ways you can get coverage before making a decision.

How Much Does it Cost for Health Insurance if I’m Self-Employed?

According to eHealthInsurance.com, an online health insurance marketplace, the average price for an individual policy in 2018 was $440. Premiums for family plans cost an average of $1,168 per month.

The final price tag for your health coverage will depend on a number of factors including the type of plan you select if you qualify for any subsidies, your annual income, and so on. Here’s Healthcare.gov’s online calculator to help you estimate your health insurance costs.