I'm self-employed or gig work

How do 1099 workers get affordable health insurance?

Without an employer plan, 1099 and gig workers buy individual coverage on the ACA marketplace, where income-based savings are common and premiums may be deductible as a self-employed health insurance deduction. Losing a contract or a client that provided coverage counts as loss of coverage, which opens a 60-day Special Enrollment Period. Because self-employed income is uneven, disability and life insurance matter more than average: there is no employer group policy standing behind you, so a term policy is often the cheapest way to protect the people who rely on your income.

Read the self-employed guide →