Self-Employed & Business Owners
Sole proprietors, 1099 contractors, LLC owners, and one-person businesses usually buy coverage as individuals rather than through a traditional group plan. The right fit depends on your income, providers, and how much risk you want to carry.
- ACA Marketplace plans, with premium tax credits based on household income and eligibility rules
- Off-marketplace individual major medical plans, which may offer broader provider networks
- Coverage for a spouse and dependents on an individual policy, when the plan allows
- Short-term plans as a temporary bridge, with limits you should understand before relying on them
Small Businesses With Employees
Once you have employees, a small-group plan may let you offer medical, dental, vision, and supplemental benefits together. Eligibility, contribution rules, and renewal timing depend on the carrier and your payroll.
- Traditional small-group medical coverage through carriers that write 2–50 employee groups
- Dental, vision, and supplemental benefits that can be added alongside medical
- Employer contribution and employee participation rules, which vary by carrier and plan
- Support comparing group coverage with Marketplace options for your team
A quick note on how these arrangements differ
Traditional small-group coverage is issued to a business for its employees. Individual coverage is issued to a person, even a self-employed one. Association-based and other employer-related plans follow separate rules and are not the same product as either. The FAQs below explain the details.
Request a Free Group Insurance Quote
Share a few details and I’ll come back with options that fit how your business actually runs — whether you’re a team of one or a team of twenty.
Prefer to talk it through? Call (754) 212-8529 or start a free coverage review. You can also read more in the Learning Center.
Group Insurance Questions, Answered
The distinctions that matter most, and what to expect before you request a quote.