Sole Proprietors

Affordable Health Insurance Built for Sole Proprietors Like You

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Health Insurance for Sole Proprietors

Medical insurance coverage is, in most cases, provided through employer-sponsored health insurance plans. But being a sole proprietor means you're the boss. You are in control of everything in your business, including matters concerning health insurance. If you're looking for a sole proprietor health plan, it's good to know that there are a couple of great options at your disposal. 


Without further ado, let's explore the available options when it comes to health insurance for sole proprietors.


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Group health insurance

While a sole proprietor business typically requires individual health insurance coverage, you may qualify for a group health plan. Some states allow self-employed individuals with at least one qualified employee to purchase group plans and get lower rates on their insurance coverage. 

Unfortunately, the business owner and spouse cannot be the only ones enrolled in the group health insurance. To qualify for the plan, you can form a small group of 1 with a family member or friend. The family member can be your daughter, son, niece, etc.

Individualized healthcare coverage

Sole proprietors can purchase individual healthcare coverage through the Health Insurance Marketplace or directly from a private health insurance company. 

Health Insurance Marketplace

The Affordable Care Act, colloquially known as ObamaCare, was created in 2014 and it provides sole proprietors with a health insurance marketplace where they can find affordable plans. 


The marketplace enables you to compare the levels of plans from different ACA-compliant health insurance providers and make a decision based on your unique needs and requirements. 


With the Affordable Care Act, lower-income individuals can enjoy premium tax credits and cost-sharing reduction benefits. 

Healthcare plans outside ACA marketplace 

Sole proprietors may also opt for private plans outside the healthcare insurance marketplace. The type of plans and deductibles will vary significantly based on the insurer and state you come from. And, you have several major insurance providers to choose from.


Let's face it; every business owner would love to get the best deal possible on a health insurance plan. Finding a plan offering the best features at the most affordable rates can be quite difficult and time-consuming, but it doesn't have to be that way. 


It is generally a good idea to engage a licensed insurance agent to help you navigate your options and find a healthcare plan, which fits your lifestyle and budget. 


Have a question or need help? Talk to a trusted and experienced health insurance agent today. 

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You're one click away from getting an affordable national health care plan with no deductible. 

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