Coverage as hard-working as you are.

Health insurance for contractors and tradespeople

Independent contractors, builders, electricians, plumbers, and other skilled tradespeople almost never get health insurance through the companies they work for. As a 1099 worker, coverage is on you — and it has to handle income that rises and falls with the season and the job pipeline. A private PPO plan fits that reality: it enrolls year-round, it is not tied to any general contractor or agency, and it uses a broad nationwide network so you are covered on every job site.

Why a private PPO suits the trades

Trade work is physical, and being uninsured is a real risk when an injury can put you out of work. A private PPO gives you a plan you own and keep between jobs, with no referrals and the freedom to see any in-network doctor. Because eligibility depends on your age, location, and health rather than a salary, variable contract income is not a barrier to qualifying.

• Coverage you own, independent of any contractor or crew
• Year-round enrollment that fits an uneven job pipeline
• Nationwide network — covered wherever the work takes you
• You may be able to deduct premiums as a self-employed expense

What coverage costs for independent contractors

Premiums depend on your age, your state, and the plan you pick, and the lowest monthly price is rarely the cheapest plan once you add the deductible. Compare on total yearly cost. Many tradespeople can also deduct their premiums, lowering the real cost — confirm the details with your tax professional. A licensed advisor can price comparable private PPO plans for your ZIP code for free.

How to choose a plan

List the doctors and prescriptions you want to keep, estimate the care you expect in a year, and compare two or three plans on total cost. A licensed advisor can pull options for your ZIP code, confirm your providers are covered, and weigh a private PPO against any Marketplace subsidy — at no cost and with no obligation.