ManhattanLife
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Freelancers, contractors and business owners
Health insurance for freelancers and self-employed households.
When health insurance no longer comes through an employer, the first step is understanding what you are comparing. Freelancers, independent contractors and self-employed households can explore provider websites directly or ask Desmond Trok for help with the options.
Shop directly, at your pace
Explore coverage on the provider’s website.
Choose a destination to explore available products and pricing. No form on this website is required to continue.
UnitedHealthcare
Explore the products and quote options available through this provider.
Explore coverage with UnitedHealthcare (opens a new tab)Allstate Health Solutions
Explore the products and quote options available through this provider.
Explore coverage with Allstate Health Solutions (opens a new tab)Marketplace via HealthSherpa
Explore ACA Marketplace plans and application options.
Shop Marketplace plans with Marketplace via HealthSherpa (opens a new tab)Ameritas Dental & Vision
Explore dental and vision options online.
Shop dental & vision with Ameritas Dental & Vision (opens a new tab)Ethos Life Insurance
Explore life insurance and apply online with Ethos. Desmond also offers other life insurance options.
Shop life insurance with Ethos Life Insurance (opens a new tab)These are separate destinations and product types, not equivalent plans. Availability, benefits, limitations, rates and eligibility vary by state and applicant. Review the provider’s documents before applying. Desmond may receive compensation for coverage placed through these broker links.
Start with your household, not your job title
A freelancer, sole proprietor or independent contractor may be shopping for an individual or family plan. Running a business does not automatically mean you need group coverage. If you have employees, the available employer options can be different. Bring that distinction to the comparison before starting a long application.
Explore the individual Marketplace
Self-employed people can use the individual Health Insurance Marketplace. The application considers household information and estimated income for the coverage year when determining eligibility for savings. Use the official application process to confirm your situation rather than assuming a subsidy or premium from a general example.
Prepare for variable income
Have a reasonable estimate of your household income for the coverage year ready when using a Marketplace application. If your work is seasonal or project-based, the estimate may take more preparation. HealthCare.gov explains how self-employed income is treated. Desmond can help you identify the questions to resolve before you choose a route.
Check the fit for your working life
Look at your preferred doctors, prescriptions, total potential costs and the places where you expect to receive care. Check travel and network limitations in the specific policy. If you explore non-Marketplace products, confirm whether the product is comprehensive medical coverage or a limited-benefit or supplemental product.
Moving from employer coverage
Losing job-based coverage may allow an enrollment opportunity outside the usual annual period. Confirm eligibility, deadlines and the start date through the provider or Marketplace process. Do not cancel existing coverage based only on an estimated quote or an initial-fit result.
Further reading: HealthCare.gov: coverage for self-employed people.