Call (855) 238-7947
Self-Employed & 1099 Health Coverage · Licensed in 40+ States

Health insurance for the self-employed — on your terms.

No employer plan? No problem. Whether you freelance, contract on a 1099, or run your own business, a licensed broker compares ACA marketplace (Obamacare) plans — with subsidies based on your net self-employment income — plus private major medical and short-term options, at no cost to you.

Call (855) 238-7947

A-Rated CarriersTop health plans compared

$0 Broker FeeSame premium, expert help

Get Your Free Quote
Under 60 seconds · No credit check · No obligation
Free

Tell us a little about yourself and a licensed broker will compare Florida Blue, Ambetter, Oscar Health, and dozens more A-rated carriers for your zip code — marketplace, private, and short-term plans side by side, built around self-employment income.

  • See your real price after any subsidy on your 1099 income
  • Confirm your doctors are in network
  • Check that your prescriptions are covered
Or call (855) 238-7947

Maher Insurance Group is an independent agency, not a government website. You can also compare plans at HealthCare.gov or your state exchange.

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Your Options

Three ways to get covered.

The right path depends on your self-employment income, your health, and whether you qualify for a subsidy. Here is how the main self-employed health insurance options compare for freelancers and 1099 contractors.

ACA Marketplace (Obamacare)

Comprehensive Obamacare plans with subsidies based on your net self-employment income — what is left after business expenses, not your gross 1099 receipts. Many freelancers qualify for real premium help and simply do not know it.

Check Marketplace Plans

Private & Alternatives

Private major medical and ACA alternative plans can mean lower premiums or more flexibility for higher-earning self-employed people who do not qualify for a subsidy. Benefits vary, so we walk you through exactly what each one covers.

Explore Alternatives

Short-Term Medical

Between contracts or waiting on the next gig? Short-term coverage can often be purchased year-round to bridge the gap, so a slow month or a contract change never leaves you uninsured while you sort out long-term coverage.

See Short-Term Options
Top Carriers for the Self-Employed

Florida Blue, Ambetter, Oscar & more — compared side by side.

Plan lineups change from state to state and county to county. As independent brokers licensed in 40+ states, we quote top carriers like Florida Blue, Ambetter, Oscar Health, and dozens more A-rated options in one comparison — Obamacare marketplace and private plans together — so your self-employed health insurance quotes reflect the most affordable real cost after subsidies on your 1099 income, wherever you live and work.

Florida Blue Ambetter Oscar Health + 40 more A-rated carriers

Carrier and plan availability vary by state, county, and enrollment period. Maher Insurance Group is an independent agency and is not affiliated with or endorsed by any carrier or government agency.

Why Maher

We work for you, not the insurance company.

Marketplace tools and 1-800 quote lines sell you a policy and disappear. As independent brokers licensed in 40+ states, we shop many A-rated carriers for you and stay through every renewal, income change, and claim — the kind of year-round help self-employed clients actually need.

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Independent & Unbiased

We represent many A-rated carriers with no allegiance to any single one, so we are free to find the policy that fits your life, not theirs.

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We Speak 1099

Variable income, quarterly taxes, no HR department — we build subsidy estimates and plan choices around how freelancers and contractors actually earn, and update them when your income shifts.

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A Possible Tax Advantage

Many self-employed filers can deduct the health insurance premiums they pay for themselves and their families under the self-employed health insurance deduction. We are not tax advisors — talk to your tax professional — but we will make sure you have the premium records to ask the right questions.

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Zero Cost to You

Your premium is the same whether you enroll on your own or through us. The carriers pay us, so the expertise is free.

What Our Clients Say

Real reviews from real clients.

“I was able to sign up for health insurance through Briana Oliveira. Briana is an awesome specialist who listened attentively to my needs and quickly identified the right solutions. Very professional and courteous. Truly a gem and a blessing!”

MC
Verified Google Review

“Found Maher Group online and saw the great reviews. Ally talked with me for 45 minutes about health insurance for our family of 6. She responds quickly via phone or text. Extremely knowledgeable, does not leave any stone unturned. Highly recommend!”

GS
Verified Google Review

“I had an amazing experience working with Deven Plunkett to get health insurance. They were incredibly patient, knowledgeable, and took the time to explain all of my options in a way that was easy to understand. They made what could have been a stressful process feel smooth and reassuring.”

DD
Verified Google Review
Common Questions

Health insurance questions, answered.

The questions we hear most from self-employed workers, freelancers, and 1099 contractors shopping for self-employed health insurance. Still unsure? A real person is one call away.

Talk to a Real Person
Yes. Self-employed workers, freelancers, and 1099 contractors can buy ACA marketplace (Obamacare) plans just like anyone else — no employer required. Because subsidies are based on your net self-employment income after business expenses, many self-employed people qualify for real premium help without realizing it. A licensed broker can run your numbers and compare every Obamacare plan available where you live, at no cost to you.
Marketplace subsidies are based on your estimated household income for the year — and for 1099 workers, that means net self-employment income after business expenses, not your gross receipts. Write-offs like mileage, equipment, and home office costs lower the income your subsidy is figured on, which often means more help than freelancers expect. We help you estimate it accurately so your subsidy is right from day one.
In many cases, yes. Self-employed filers may qualify for the self-employed health insurance deduction, which can allow you to deduct premiums paid for yourself and your family when you have no access to an employer plan. Eligibility depends on your specific situation, so talk to your tax professional — we handle the coverage side and make sure you have the premium records you need.
Report the change to the marketplace as soon as possible. Your subsidy is based on your estimated annual income and reconciles on your tax return at the end of the year, so keeping your estimate current helps you avoid owing money back — or leaving subsidy dollars on the table. Income swings are normal when you are self-employed, and we help clients update their numbers all year at no cost.
Yes. Short-term medical plans can often be purchased year-round and are designed to bridge exactly that kind of gap — between contracts, between jobs, or while you wait for marketplace coverage to start. They are not a long-term substitute for major medical, but they can keep you protected for the weeks or months in between.
No. Our help is free to you. We are paid by the carriers when you enroll, and your premium is the same whether you enroll on your own or through us. You get a licensed person who compares plans, checks subsidies against your 1099 income, verifies networks and prescriptions, and stays with you all year.
Ready When You Are

Let’s find the health plan that fits.

One short call. No pressure, no obligation, and no cost for our help. We will compare your self-employed health insurance options, estimate your subsidy on your 1099 income, and explain it all in plain language.

Call (855) 238-7947

Maher Insurance Group is a private, independent insurance agency. This is not the Health Insurance Marketplace or a government website, and we are not affiliated with or endorsed by any government agency. You can also review plans and check your eligibility for savings at HealthCare.gov or your state exchange. Plan availability, benefits, premiums, networks, and subsidy amounts vary by location and household and are subject to change.

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Related: Health Insurance FAQs · ACA Alternatives · Short-Term Medical

Guides: Health Insurance for Self-Employed & 1099 Contractors