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What if I'm self-employed?


According to the commonwealth fund (www.commonwealthfund.org), 22% of the adults with health insurance are self-employed. This is a significant percentage of the population and is why the new healthcare act has separate and special considerations for the self-employed.

When shopping for insurance plans, you must first discern whether you meet the criteria for self-employed or not. This is crucial and avoids lots of frustrations later on.

Are you self-employed? Check it.

You are self-employed,if you run an income generating business, but you don’t have any employees. If this is the case, then you can get coverage through the marketplace. You may be hiring independent contractors but you are still not considered an employer.

Important – If you run an income generating business and you employ people as workers, (you report their income on a w-2 at the end of the year),then you are an employer. To get insurance in this case, you should use the SHOP marketplace.

19 Important things every Self-Employed person should know before buying health insurance

Most self-employedindividualsare busy people. They do not have time to go through hundredsof pages with difficult terms to understand. That’s why we have created a list of the most important things that you must know.

Read this carefully and in case of any questions, contact us viamail or phone.

  • You are eligible for the same plans that are available to individuals.
  • You cannot be denied coverage due to pre-existing health conditions.
  • You cannot be surcharged because you have pre-existing health issues.
  • You may qualify for lower costs on your monthly premiums for private health insurance through the marketplace.
  • When applying for insurance you can check & compare premiums, deductibles & out of pocket costs.
  • Your co-payments and/or coinsurance payments may be reduced. Check it when applying.
  • If you have individual insurance currently, you can change it through the marketplace.
  • You may qualify for Medicaid which will lower your coverage costs.
  • Your children may get free or low cost coverage through CHIP.
  • You may qualify for tax credits (depending on your income & household size), when you get insurance through the public health exchange (marketplace).
  • PPO, HMO & Indemnity plans are generally most suited for self-employed people. Call us to understandthe difference.
  • You are eligible for individual as well as family health insurance coverage.
  • Explore all your options before making a final decision about your health coverage.
  • Remember – Cheapest is not always the best option for the self-employed.
  • Everybody’s situation is different. That’s why you should choose a plan that is most suitable for you & your family.
  • IF you are healthy, then consider High Deductible Health Insurance Plans.
  • Compare, compare, & compare – you will be pleasantly surprised when you compare plans at QQBenefits.com.
  • Do not let your coverage lapse. Because then you may have to wait until the next open enrollment to get new coverage.
  • Check if you are eligible for an HSA – Health Savings Accounts.

QQbenefits.com has an extensive offering of 40,313 health insurance plans. Therefore you can choose one that is the most appropriate for you.


Next steps

  1. You must assess your needs & then compare the plans that best fit. For this, you can use the Instant Quote option available here – instant health insurance quotes.
  2. Once you have narrowedyour options to 3-5 plans, call and speak to one of our licensed health insurance advisorstoll free. We will guide you through the process of ultimately choosing the plan that best fits your needs.
  3. Then, it’s a matter of simply applying for the best health insurance plan for you.

That’s all.

Being in business for yourself is tough enough. At QQbenefits.com, we work hard to make health insurance easy for self- employed people.

In case of any queries or questions, call us.