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. If your business has even one employee (other than yourself, a spouse, family member, or owner), you may be able to use the SHOP Marketplace for small businesses to offer coverage to yourself and your employees. See "How do I know if I’m self-employed or a small employer?" to learn more.
In the Marketplace you can choose from several categories of coverage, from plans with low premiums that mainly protect you in worst-case scenarios to plans where you’ll pay more each month but less out-of-pocket when you get health care services.
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 you run a business that produces income and has no employees, you’re considered self-employed. You can buy health coverage through the individual Health Insurance Marketplace.
If you lose job-based coverage for any reason, you qualify for a Special Enrollment Period. This means you can enroll in a health plan even if it’s outside the annual Open Enrollment period. During the Open Enrollment Period, if you qualify for a Special Enrollment Period you may be able to have your coverage start sooner than it otherwise would. Learn more about how to apply with a Special Enrollment Period.
You can cancel your Marketplace plan any time and enroll in your employer’s insurance.
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 you currently have COBRA continuation coverage, your options are different during the annual health insurance Open Enrollment period and outside Open Enrollment. Learn about COBRA and the Marketplace.