Best Health Insurance Options for the Self-Employed

Healthcare.gov

Another option to find health insurance is through Healthcare.gov, the government health insurance marketplace. You can find coverage for either an individual policy or as a small business.

Most states use Healthcare.gov to purchase health care coverage. However, certain states have their own websites where you can compare options and enroll. Here’s a quick list:

  • California
  • Colorado
  • Connecticut
  • District of Columbia
  • Idaho
  • Maryland
  • Massachusetts
  • Minnesota
  • New York
  • Rhode Island
  • Vermont
  • Washington

Open enrollment usually starts in November and runs through mid-December. Coverage for plans purchased during open enrollment begins on Jan. 1 of the following year.

If you miss open enrollment, you may still be able to purchase insurance if you qualify. Special enrollment such as life changes or circumstances can make it possible to purchase insurance at other times of the year.