Health coverage for 1099 contractors, freelancers and skilled trades: electricians, plumbers, HVAC techs, builders and more. Your premiums may be tax deductible.
Free, no-obligation quotes from licensed brokers
If you're self-employed with a net profit and aren't eligible for an employer-subsidized plan, you can generally deduct the premiums you pay for yourself, your spouse and your dependents (IRS Form 7206). Ask your tax professional how it applies to you.
Marketplace savings are based on your estimated household income for the year, after business expenses. When your 1099 income goes up and down, we help you estimate it so you don't overpay or owe at tax time.
Electricians, plumbers, HVAC techs, carpenters, roofers, welders, landscapers and other skilled trades: we find plans with networks that cover the doctors near where you live and work.
Your plan stays with you from job site to job site, whether you work for one contractor or dozens, so a slow season never means losing your coverage.
Add your spouse and kids to one plan, or ask us about group coverage once you bring on employees.
We're available 8:00am to 11:00pm EST, so you can talk with a licensed broker before the first job of the day or after the last one.
At Insurance for Healthy People, our mission is to make health coverage simple, affordable, and stress-free for healthy individuals, families, and self-employed professionals.
We specialize in personalized health insurance solutions including affordable PPO options, lower deductible plans, and flexible coverage designed to fit active, health-conscious lifestyles.
Whether you’re looking for better benefits, lower monthly costs, or alternatives to traditional marketplace plans, our team helps you compare your options and find coverage that actually makes sense for your needs and budget.
Don't see your state? Call us and we'll point you in the right direction.
Navigating health insurance shouldn't feel like solving a puzzle. Our licensed brokers take the time to understand your needs, compare plans across top carriers, and recommend coverage that actually fits your life and budget.
Since 2015, we've helped over 12,000 families find peace of mind with the right health coverage. We believe everyone deserves clear, honest guidance when it comes to protecting their health.
Tailored health coverage for individuals, including young professionals, freelancers, and those between jobs.
Comprehensive plans that protect your entire family with one policy, including dental and vision add-ons.
Affordable group insurance solutions for small businesses and startups with 2 to 250 employees.
Standalone or bundled dental and vision plans to complete your healthcare coverage.
Protect your loved ones with term and whole life policies that complement your health coverage.
Tell us about yourself, your family, and what you're looking for in a health plan. It takes less than 5 minutes.
Our brokers analyze 50+ carrier options to find plans that match your needs, budget, and preferred doctors.
We present 2-3 curated recommendations with clear explanations. No jargon, no hidden fees, no pressure.
We handle the paperwork and enrollment. You'll be fully covered with the peace of mind you deserve.
“Insurance for Healthy People made finding a plan for my family so much easier. They explained everything clearly and found us coverage that saved over $300 a month.”
Often, yes. If you have a net profit from self-employment and you (and your spouse) aren't eligible for an employer-subsidized health plan, you can generally deduct the premiums for yourself, your spouse and dependents on Schedule 1 using IRS Form 7206. The deduction can't be more than your business's net profit, and it works differently if you also get marketplace premium tax credits, so check with your tax professional.
Yes. Marketplace savings are based on your best estimate of household income for the year, after business expenses. If your income changes during the year, you can update it so your savings stay accurate. We'll help you make a realistic estimate.
Our services are completely free to you. We earn commissions from insurance carriers when you enroll, but your premium is the same whether you use a broker or go directly to the carrier. You get expert guidance at no extra cost.
Absolutely. Under the Affordable Care Act, all ACA-compliant plans must cover pre-existing conditions without charging higher premiums. We can help you find the right plan regardless of your health history.
An HMO requires you to choose a primary care physician and get referrals to see specialists. A PPO offers more flexibility: you can see any doctor without referrals, though staying in-network saves you money. We help you decide which fits your lifestyle.
Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1. States that run their own marketplace can set different dates. Outside that window, you need a Special Enrollment Period triggered by life events like marriage, having a baby, losing other coverage, or moving. We can check your eligibility right away.
Yes, we specialize in group health insurance for businesses with 2 to 250 employees. We compare options from multiple carriers, handle enrollment, and provide ongoing support for your HR team.
We offer standalone dental and vision plans, as well as bundled options that can be paired with or without medical coverage. These are often more affordable than you might expect.
Have a quick question or want a faster route? Reach out directly or skip ahead and get your personalized quote in minutes.
Thanks, . A licensed broker will get back to you soon. If it's urgent, call (813) 507-2416.
