Health Insurance for the Self-Employed
Self-employed in Florida or anywhere in the U.S.? You have two real paths — an ACA marketplace plan (with subsidies if you qualify) or a private nationwide PPO priced on your health. We compare both, verify your doctors, and help you enroll — year-round. No cost to use an advisor.
ACA Marketplace plan
- Income-based subsidies if you qualify
- Guaranteed acceptance — no health questions
- Enroll at Open Enrollment or after a life event
- Often state/local networks
Private nationwide PPO
- Priced on your health, not your income — often cheaper above the subsidy line
- Broad nationwide networks
- Enroll year-round, coverage can start fast
- Available only through a licensed agent
Don't forget the self-employed health insurance deduction
If you're self-employed with net profit and aren't eligible for an employer plan, you can generally deduct 100% of your health insurance premiums on your taxes (Schedule 1) — lowering your taxable income. We factor that into what coverage really costs you. (Confirm specifics with your CPA.)
Self-employed health insurance — common questions
Is health insurance tax deductible for the self-employed?
Generally yes — self-employed people with net self-employment income can typically deduct 100% of their premiums via the self-employed health insurance deduction (Schedule 1), as long as they aren't eligible for an employer-subsidized plan. Confirm your situation with your accountant.
What are affordable options if I'm self-employed?
Two levers: a marketplace subsidy if your income qualifies, or a private PPO priced on your health (often the cheaper route for healthy earners above the subsidy line). We compare both so you see the true cost of each.
Can I enroll any time of year?
Private PPO plans enroll year-round. Marketplace plans require Open Enrollment or a qualifying life event — and leaving a W-2 job or losing coverage counts.
Marketplace vs. private PPO — which is right for me?
It depends on your income and health. We run both side by side and verify your doctors before you decide.
I'm self-employed in Florida — what do I do?
Same two paths. Florida uses the federal marketplace, and private PPO plans are available statewide. We're licensed in Florida plus 29 more states, so we can help wherever you are.
Self-employed? Compare your real options in one free call.
Free, side-by-side, built around your health, your doctors, and your budget.
Compare My Options FreeRobert Adams · President & Licensed Agent · NPN 19540130 · Based in Palm City, FL; licensed in 30 states. Premium estimates vary by age, health profile, and underwriting outcome. Private medically underwritten plans are not ACA-compliant and are subject to medical underwriting — not all applicants qualify. Informational only; not insurance, legal, tax, or financial advice.
