Coverage that bills to no one but you.

Health insurance for consultants and independent professionals

When you consult independently, you trade the security of employer benefits for control over your work — and health insurance becomes one more thing to arrange yourself. Independent consultants, coaches, and solo professionals usually choose between a Marketplace (ACA) plan, which may come with subsidies, and a private PPO plan, which offers a broad nationwide network and year-round enrollment. For those who do not qualify for large subsidies, a private PPO is often the better fit.

Coverage that fits project-based income

Consulting income tends to arrive in project-based lumps, and private PPO plans are built for exactly that kind of variability. Eligibility is based on your age, location, and health rather than a steady paycheck, and the plan is yours regardless of which clients you are working with this quarter.

• Coverage you own, not tied to any client
• Year-round enrollment for project-based work
• Nationwide network with no referrals
• Premiums may be tax-deductible as a self-employed expense

What consultants pay for coverage

Your premium depends on your age, ZIP code, and plan choice. Because you are self-employed, you may be able to deduct premiums for yourself and your family, which lowers the after-tax cost — confirm with your tax professional. As always, compare total yearly cost, not just the monthly premium.

Choosing the right plan

Note the doctors and prescriptions you want to keep and how much care you expect, then have a licensed advisor compare private PPO options for your ZIP code against any Marketplace subsidy you would qualify for. The review is free and comes with no obligation.