Real answers for your healthcare questions
What health insurance options do I have if I am self employed?
Answer
Self employed people can usually shop for individual or family coverage through the Health Insurance Marketplace. Depending on household income, you may qualify for premium tax credits or other Marketplace savings.
What to Know
You can also consider ACA compliant plans sold outside the Marketplace, a spouse's employer plan if available, Medicaid if eligible, or other options that fit your situation. Some self employed people use an HSA eligible plan, and federal tax rules may allow a deduction for qualifying health insurance premiums in certain circumstances.
What to Do Next
Start with the Marketplace to check financial assistance, then compare plans using your doctors, prescriptions, expected care, and total yearly cost. For tax questions about self employed health insurance deductions, confirm the current rules with a qualified tax professional.
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