Self Employed Health Insurance Complete Guide

What Is Self Employed Health Insurance?

Self employed health insurance is health insurance coverage for people who have neither an employer or employees, but bring home taxable income. Some examples of individuals who might need self employed health insurance include consultants, contractors, freelancers, etc. Getting coverage for yourself will help you avoid paying a penalty for being uncovered and protect your business as well.

Even if you have one employee other than yourself, you may be eligible for small business group health insurance.

What Options Do You Have?

1. Healthcare Marketplace (Obamacare)

You can go to the market and choose your health plan.

2. Short Term Health Insurance

If you miss open enrollment period, you can purchase short term health insurance. It’s pretty cheap, but doesn’t cover much.


If you have access to health insurance coverage from a previous employer, parent or spouse, you can continue that coverage for up to 36 months depending on the circumstances.

4. Associations

Some associations like national association for the self-employed (NASE) offer health insurance as a benefit to join. But they are usually not cheap.

5. Health Cost Sharing

You can join health networks like liberty healthcare to cover yourself, and save some money at the same time. is an online insurance comparison website. We provide you with the latest health insurance news and free online health insurance quotes from top rated insurance carriers.

About Dale Williams

Dale Q. Williams, MBA, is a well-respected financial executive whose experience spans from insurance to investment banking. Dale has first hand underwriting experience through working for one of the largest U.S. based insurance carriers, and advisory experience from working for several bulge-bracket and middle-market investment banks. Dale also received his MBA from University of Chicago Booth School of Business, with concentrations in finance and accounting.