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Being self-employed comes with many perks—flexibility, independence, and the ability to build your own future. However, one of the biggest challenges of working for yourself is finding affordable and reliable health insurance. Without employer-sponsored coverage, self-employed professionals must navigate the health insurance marketplace on their own.
At Simbia, we make it easy for freelancers, gig workers, independent contractors, and small business owners to compare affordable self-employed health insurance plans. Whether you’re looking for a comprehensive ACA plan, private insurance, or a short-term option, we’ll help you find a plan that fits your budget and healthcare needs.
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Unlike traditional employees, self-employed workers don’t receive health benefits from an employer. Having the right health insurance plan ensures you have access to medical care while protecting your finances from unexpected medical expenses. Here’s why self-employed health insurance is crucial:
Without insurance, a simple doctor’s visit, emergency room trip, or prescription refill could cost hundreds—or even thousands—of dollars. Health insurance helps mitigate these expenses, ensuring you’re financially protected.
Many health plans provide free preventive services, including annual check-ups, vaccinations, and screenings, helping you stay proactive about your health.
As a self-employed individual, you may qualify for health insurance tax deductions, allowing you to deduct the cost of your premiums from your taxable income, reducing your overall tax burden.
Your health is your business’s most valuable asset. Having a health plan ensures that you can stay healthy, avoid financial hardship from medical bills, and continue focusing on growing your business.
Self-employed workers have multiple health insurance options, depending on their income, medical needs, and coverage preferences.
Self-employed individuals can purchase health insurance through the Affordable Care Act (ACA) Marketplace. ACA plans are comprehensive and include:
Private health insurance is a great alternative for those who don’t qualify for ACA subsidies or want more flexibility in coverage. Benefits of private plans include
If you only need temporary coverage while transitioning between plans or waiting for Open Enrollment, short-term health insurance can provide an affordable stopgap.
Health sharing plans, offered by faith-based or community organizations, allow members to share medical expenses. These plans may have lower monthly costs but are not legally considered health insurance.
Your zip code helps to identify your location and can assist in providing you with a personalized experience.
It is important to provide accurate and complete information to ensure that your request is processed in a timely and efficient manner.
It is important to double-check your information before hitting submit to ensure that your zip code is accurate.
For ACA plans, Open Enrollment runs from November 1st to January 15th in most states. If you enroll by December 15th, your coverage starts on January 1st.
If you miss Open Enrollment, you may still qualify for a Special Enrollment Period (SEP) if you:
Health insurance costs for self-employed individuals depend on age, location, income, and the type of plan chosen. Here’s what to expect
At Simbia, we understand the unique challenges of being self-employed, and we’re here to make finding affordable health insurance simple. Here’s how we help:
We provide personalized quotes from top insurance providers, ensuring you find the best coverage at the best price
Licensed agents will check if you qualify for ACA subsidies or tax deductions to lower your monthly premiums.
Skip the complicated paperwork—our process lets you apply in minutes and get covered fast.
Have questions? Need help choosing the right plan? Our team is here to assist you every step of the way.
Your health is your most valuable asset, and Simbia is here to help you protect it. Whether you need comprehensive coverage, a short-term plan, or an affordable private option, we make it easy to find the right health insurance for your self-employed lifestyle.
At Simbia, we’re dedicated to helping self-employed professionals find affordable, flexible, and high-quality health insurance—so you can focus on what you do best. Let’s get started!
Your insurance should not only fit your budget, but it should also give you as much coverage and offer flexible payment terms. It is rather hard to find plans that offer all of those. With us, we are going to make sure you get the best coverage at the best price.
Similar to when you shop online or otherwise, you always have options and it's you who's going to make the final call. It is advised to do some research and read through the agreement prior to signing the papers. Note that health insurance is not a simple purchase, but it's a commitment to your health and your family's health.
Be wise and always keep your options open. There are plenty of options and offerings out there. Be diligent, compare the terms and prices, ask your family and friends if they have some good recommendations. If possible, discuss with a licensed healthcare agent to make sure you get the best deals.
There are tons of health insurance agencies and networks who would want to do business with you. It is advised to go with reputable ones, to make sure you get the most out of your investment and that you won’t get ripped off.