Exploring coverage options for small businesses
Health coverage for self-employed
Generally, your business won't qualify for group coverage if you:
- Run your own business and have no employees
- Are self-employed with no employees
- Work as a freelancer or consultant
Instead, you can buy Marketplace health coverage for individuals and families. Learn more about self-employment coverage.
With an Individual Marketplace plan, you can find coverage for yourself and your family and get savings to lower your out-of-pocket costs, if you qualify.
Discover the Individual Marketplace
The Individual Marketplace offers flexible, quality coverage for people who:
- Run their own businesses
- Are self-employed with no employees
- Work as freelancers or consultants
All Marketplace plans cover 10
and can't exclude treatment based on pre-existing conditions. You can choose a Marketplace plan that meets your needs and budget.
You can only enroll in Marketplace coverage during the annual
, unless you have a
during the year.
If you need help applying or picking a plan, find local help.
Qualify for Marketplace savings
When you apply for Marketplace coverage, provide your best estimate of your household income for the year you’re getting coverage to find out if you qualify for
to lower your out-of-pocket costs. Get details on estimating your income or talk to your tax professional.