Health insurance for people who work for themselves.
No HR department, no open-enrollment email, no benefits person down the hall. You are the benefits department now, and we are the people who help you run it.
The situation
Nobody handed you a plan.
You're a 1099 contractor, a freelancer, a consultant or a one-person company. The coverage decision is yours alone, the paperwork was written for HR departments, and the marketplace assumes you already know what a deductible does.
Many of the people we help are in exactly this position. Self-employed, paying for their own coverage, and tired of guessing whether they're paying for the right thing.
What we look at with you
The parts of a plan that change your year.
Which plans include the doctors and the hospital you want to keep.
What you would pay every month, and what you would pay on the day you use the plan.
Whether a lower premium is a real saving or a bigger bill later.
Covering a spouse or children on the same plan, or separately.
When coverage can start, and what happens if you change plans during the year.
