Self-Employed? Stop Overpaying for Health Insurance.
The ACA Marketplace was built for employees. You’re not an employee. Private health plans for 1099 workers, freelancers, and LLC owners start at $309/month — often half the cost of a Bronze plan after subsidies disappeared. Pick the priority that matters to you. We’ll show you the plan and the price in 60 seconds.
- Plans from $309/mo — less than half the ACA average
- 100% premium tax-deductible (IRC §162(l) above-the-line)
- Cigna PPO network: 993K+ doctors, no Marketplace bureaucracy
- HSA-compatible option (rare for individual plans)
- Coverage active in as little as 24 hours after enrollment
Enhanced Premium Tax Credits expired December 31, 2025. The 400% federal poverty level “subsidy cliff” is back. If you’re a self-employed pro earning $75K–$150K, your Marketplace subsidy probably just disappeared — or shrunk dramatically. Here’s what that means in monthly dollars:
The Marketplace was designed for W-2 employees who get income certainty and group rates. Self-employed pros pay full price for individual plans, then watch subsidies vanish when their business has a good year. Private health plans flip the math: lower base premium, no subsidy dependency, and the entire premium is tax-deductible.
If you’re a sole proprietor, single-member LLC, partner, or S-Corp owner with reported earned income, you can deduct 100% of your health insurance premiums above-the-line on Schedule 1 of your 1040. Not as an itemized deduction. Not subject to the 7.5% AGI floor. Dollar-for-dollar reduction of adjusted gross income.
On a $369/month MedMax plan, that’s $4,428/year deductible. If you’re in the 24% federal bracket + 6% state, that’s effectively $1,328 back in your pocket at tax time. Your net cost: $256/month after taxes — less than the ACA Marketplace subsidy you might no longer qualify for.
It applies to your spouse and dependents too. It works for any qualifying health plan, including all of the plans we recommend. The deduction stacks with an HSA contribution if you choose an HSA-eligible plan like MedPerformance 5000 HSA.
FreedInsure is a licensed insurance broker, not a tax preparer. Confirm your specific deduction eligibility with your CPA.
Plan & Rate in 60 Seconds
No income verification. No tax return uploads. No HealthCare.gov forms. Pick your priorities, see your plan, talk to an advisor, enroll.
Three Plans. Three Priorities.
We recommend one based on what matters most to you. Real names, real prices, no bait-and-switch.
- $0 deductible
- $25 PCP / $50 specialist copay
- $0 telemedicine
- First Health PPO network
- Preventive covered first-dollar
- $1,000 deductible
- $50 PCP/specialist after ded
- $0 telemedicine + preventive
- Cigna PPO (993K providers)
- Mental health first-dollar
- $3,500 deductible
- 80/20 coinsurance
- Full Cigna PPO network
- Specialty Rx covered
- No annual visit caps
Rates shown for healthy adult, age 18–29, employee-only. Actual rates vary by age, family composition, tobacco use, and effective date.
More options available beyond the three tiers above. Including HSA-eligible major medical (MedPerformance 5000 HSA — stack with your SEHI deduction for ~40–50% effective savings), enhanced copay structures with maternity coverage (MedAccess MVP Pro), and a full range of MedMax deductible options from $250 to $1,500 to dial in your exact balance. Your advisor walks through everything that fits your situation on the call.
Built for the Self-Employed Reality
If you’re one of these, your Marketplace situation just changed. There’s a better way to cover yourself.
1099 Health Plans, Answered
Eight questions self-employed folks ask before signing up. Direct answers.
What Our Members Say
Your Plan, Your Price, in 60 Seconds.
Pick what matters. See your match. Talk to a licensed advisor within 15 minutes. Coverage can be active in 24 hours.
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