Health Insurance · ACA / Marketplace / Obamacare
Health insurance for people who work for themselves
Self-employed, 1099 contractor, small business owner, or just lost employer coverage? I'll check your subsidy, compare Marketplace plans from 8+ carriers, verify your doctors are in-network — and get you enrolled in 30–40 minutes. ACA, Marketplace and Obamacare are the same thing, and my help with it is free.
What's included
- ACA Marketplace enrollment
- Obamacare plan comparison
- Subsidy eligibility review & premium tax credits
- Income estimation for self-employed
- Special Enrollment Period (SEP) — after moving, job loss, marriage, birth
- Open Enrollment assistance
- Family and individual coverage
- Coverage for eligible immigrants
- Doctor & hospital network verification
- Prescription drug coverage review
- Annual renewal & plan changes
- Support after enrollment
Who this is for
- Self-employed & 1099 contractors (truckers, realtors, contractors, gig workers)
- Small business owners without group coverage
- Families and individuals without employer insurance
- People who lost a job or employer coverage (60-day SEP window)
- New Texas residents (moving opens a 60-day SEP)
- Young adults aging out of a parent's plan at 26
- Early retirees — too young for Medicare
- Recent immigrants with eligible status
What the subsidy really means
Most Marketplace clients qualify for a premium tax credit — the government pays part (sometimes most) of your monthly premium, based on your household income. Many self-employed clients are shocked to learn what they actually pay after the subsidy.
Self-employed and don't know your exact income for next year? That's normal — we estimate it together, honestly and carefully, because the subsidy is reconciled with the IRS at tax time. If your income changes during the year, we update the application so there are no surprises.
This is exactly the part where a licensed broker earns their keep: the subsidy math, the income estimation and the paperwork are free with me — and mistakes here are expensive without.
Premium, deductible, out-of-pocket max — the three numbers that matter
Premium
is what you pay monthly. Deductible is what you pay out of pocket before the insurance starts sharing costs. Out-of-pocket maximum is your worst-case annual total — after that, the plan pays 100%.
Health insurance in the U.S. is not about “free healthcare” — it's about protection from financial catastrophe. A broken arm or an ER visit can cost tens of thousands of dollars; the plan is what stands between that bill and your savings.
A $50/month plan with a $10,000 deductible vs. a $70/month plan with a $5,000 deductible: the $20 monthly saving becomes an extra $5,000 the day something happens. I compare the whole year's math for your realistic scenarios — not just the monthly price.
Bronze, Silver or Gold?
Metal tiers are about how you share costs with the insurer: Bronze — lowest premium, highest deductible; Gold — the opposite; Silver in between, and with a modest income Silver unlocks extra cost-sharing reductions that make it the hidden best deal for many families.
There's no universally “best” tier. A healthy 28-year-old and a family planning a pregnancy need different plans — maternity care, pediatric visits and specific prescriptions all change the answer. Marketplace plans cover pre-existing conditions, including pregnancy, and cannot charge you more for them.
Instead of scrolling through 30–50 near-identical plans on your own, tell me about your doctors, medications and budget — I'll bring back 2–3 options with clear numbers and tell you honestly how they differ.
Carriers I work with
As an independent broker I hold contracts with these insurance companies — and compare their plans side by side for you.
FAQ
Frequently asked questions
How much will I pay? Can it really be almost free?
It depends on your household income — that's what determines the subsidy. Many self-employed clients with moderate incomes pay a fraction of the sticker premium; some pay close to zero. The check takes minutes and costs nothing.
I'm self-employed and don't know my income for next year. What do I put?
We estimate together based on last year and your current situation. If reality changes mid-year we update the application — that's part of my after-enrollment support, and it protects you from owing subsidy back to the IRS.
Is this real ACA insurance, not some limited plan?
Yes — I enroll you in ACA-compliant Marketplace plans from licensed carriers (Blue Cross Blue Shield, Ambetter, Oscar, Cigna, UnitedHealthcare and others). Full coverage including pre-existing conditions. I'll happily show you the plan documents before you commit.
I lost my job / just moved to Texas. Do I have to wait for Open Enrollment?
No — losing coverage, moving, marriage or a new baby opens a 60-day Special Enrollment Period. We can get you covered now. Don't wait: the window is strict.
Will my doctor take this plan?
I check your doctors, clinics and hospitals against each plan's network before you enroll — and your medications against the formulary. This is the single most valuable 20 minutes of the process.
Do I pay you anything?
No. Licensed ACA brokers are paid by the insurance carriers, and the choice of plan doesn't meaningfully change my commission. You pay exactly the same premium with me as without me — you just don't have to figure it all out alone.
Check your subsidy — it takes 15 minutes
You might be paying far less than you think for real coverage. Free check, no obligation, English or Russian.
Free consultation
Get a free plan comparison
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