Self-Employed Professionals
ACA Marketplace Plans For Self-Employed
Health coverage if you're self-employed
If you're self-employed, you can use the individual Health Insurance Marketplace to enroll in flexible, high-quality health coverage that works well for people who run their own businesses.You’re considered self-employed if you have a business that takes in income but doesn’t have any employees. You can enroll through the Marketplace if you’re a freelancer, consultant, independent contractor, or other self-employed worker who doesn’t have any employees.
Self-employment income and Marketplace savings
When you fill out a Health Insurance Marketplace application, you’ll have to estimate your net self-employment income. Marketplace savings are based on your estimated net income for the year you’re getting coverage, not last year’s income. When you’re self-employed, it can be hard to estimate your income for the coming months or year. Learn how to estimate your income if you’re self-employed.
If your spouse’s plan offers coverage to spouses and dependents, in most cases you won’t qualify for premium tax credits and other savings on a Marketplace plan.
If your spouse’s job-based insurance doesn’t cover spouses and dependents, then you can buy a Marketplace plan for you and your dependents. Depending on your household income, you may qualify for a premium tax credit and other savings.
In most cases, a married couple has to file a joint federal tax return to be eligible for premium tax credits and other savings on Marketplace plans. Learn about the limited exceptions to the joint-filing rule.
What prescriptions are covered by my plan?
- Your plan will help pay the cost of certain prescriptions.
- Your plan’s list of covered drugs is called a "formulary."
- Visit your plan’s website, call their Member Services, or review your Summary of Benefits and Coverage for a list of covered drugs.
How can I find a doctor in my plan?
- Most plans give you the best price on services when you go to an "in-network" health care provider who has a contract with the plan.
- You may be able to visit doctors who aren’t in your plan’s network, but you may pay more.
- Learn how to find a doctor in your plan's network.
How do I use my coverage?
- Learn how to stay healthy and get the care you need (PDF, 698 KB). You’ll find tips on where to go for care, how to find a provider, and more.
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Health Insurance Plan Levels
Bronze 60/40 plan
Bronze 60/40 plan
Bronze 60/40 plan
- Most affordable monthly cost
- Highest costs when you use the insurance
- Preventive Care doctor visits are free and do not require coinsurance or copays in many cases.
Silver 70/30 plan
Bronze 60/40 plan
Bronze 60/40 plan
- If you qualify for cost-sharing reductions in addition to your advanced premium tax credit subsidy, you must pick a Silver plan to get the extra savings. You can save hundreds or even thousands of dollars per year if you go to the doctor.
- Moderate monthly premium
- Moderate decuctible costs
Gold 80/20 plan
Bronze 60/40 plan
Gold 80/20 plan
- High monthly premium
- Low costs when you need care
- Deductibles — the amount of medical costs you pay yourself before your plan pays are usually low.
