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Fast, free quotes on individual insurance options

Being self-employed has its perks. You’re your own boss. You likely have a home office with a flexible schedule. And if you do work at home, you can’t beat the commute.

But when you’re self-employed, your time can feel stretched because you’re doing everything yourself. One prime example—self-employment means you're responsible for finding your own health insurance.

Choosing Individual Health Insurance Plans

So where do you begin? If you're self-employed without any employees, you may want to consider individual health insurance plans.

Start shopping by determining your coverage needs:

  • Are you looking for a temporary solution or possibly a renewable plan?
  • Are you looking for coverage to help pay for doctor visits and annual wellness checks?
  • Would you like to include additional products like dental, vision, or critical illness insurance for a well-rounded package?

So what’s the best health insurance for a self-employed individual?



Self-Employment and Small Business Insurance or Small Group Insurance

If you are self-employed, do you qualify for small group insurance? The answer is "Maybe," and it depends on rules in your state for insurance purposes. Some states require a small business to have at least one or two employees other than the owner. But other states define a small group or small business to include self-employed individuals.

This designation may make you eligible for other types of health plans than those listed here. To find out more about what types of health plans you might have access to in your state, a good place to start is your state government's website and the small business resources available there.



Individual Insurance Plans with Year-Round Availability

If you’ve missed the Affordable Care Act (ACA) open enrollment period for the year, or you’re self-employed and just exploring all your options, Golden Rule Insurance Company makes these health insurance and other health-related insurance options available all year-round:

Any combination of these plans can help you as a self-employed individual manage both your health care and your insurance costs.

Your Options May Not Be Limited to Enrollment Periods

Affordable Care Act (ACA) health insurance plans can be applied for only during specific times throughout the year. Open Enrollment is the months when ACA plans are available. After Open Enrollment has ended, you must have a Qualifying Life Event (QLE), such as marriage, birth of a child, or job transition, to apply for these plans.

This doesn’t mean your options for coverage are limited.

Whether you need health insurance for your family, or just for you, reap the benefits from exploring all of your options. We want to make it easy to shop and apply for different types of medical coverage year-round so you can spend less time worrying, and more time focused on what matters most to you and your business.

1 Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.

2 The coverage term is one day less than 3 years. In SC, plans are three 11-month terms. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.

3 THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.

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