Rideshare drivers, delivery couriers, and app-based freelancers rarely get benefits from the platforms they work with. But being a 1099 worker doesn't mean you're stuck without good coverage options — several are built for exactly this kind of work.
The challenge for gig workers
Income that changes week to week makes a rigid plan hard to commit to, and there's no employer to share the cost. Flexibility matters more here than almost anywhere — both in how you pay and in when you can enroll.
Flexible options that fit
- Private PPO plans with year-round enrollment
- Nationwide networks for workers who move around
- Marketplace plans if your income qualifies for subsidies
- Family coverage on a single plan
Coverage that keeps up with your schedule
Because private plans enroll year-round, you can get covered whenever you need it and adjust as your gig work changes. You don't need to prove a fixed income or wait for an open-enrollment window.
Don't overpay for coverage you won't use
A common mistake is buying more plan than you need. A licensed advisor can match a plan to your income and how much care you actually expect to use, so you're protected without overpaying — and without risking a gap.
Getting covered
Share your ZIP code and a bit about your situation, and an advisor will compare options for you for free. Whether you drive, deliver, or freelance, there's a plan that fits how you work.
