Two markets, one of them probably better for you
If your after-expense income qualifies for a HealthCare.gov subsidy, that is the most affordable coverage available and we will tell you so. If you are above the subsidy line and healthy — the usual profile for 1099 workers — a private PPO on the Cigna, Aetna and PHCS PPO network is priced on your health, not your income, and is typically 30–50% less than full marketplace price.
What to expect
A 15-minute call. We run both markets for your ZIP, check your doctors against the PPO network, and show you the numbers side by side. If private is a fit, enrollment takes about 15 minutes online and approval usually comes within 48 hours. If it is not, we help you pick the right marketplace plan.
Taxes
Self-employed people deduct 100% of premiums above the line on either kind of plan, and can stack HSA contributions on an HSA-eligible plan.