Health coverage for the self-employed
Being self-employed doesn't have to mean higher premiums.
What's the difference between private health-based plans and ACA plans?
If you're weighing your options, here's a quick overview of how these two types of plans work.
Private health-based plans price your coverage on your health, not your income. If you're healthy, you may pay far less than on the Marketplace.
ACA plans are sold on the health care Marketplace (also called the Exchange). Depending on your income, you may qualify for subsidies that lower the cost.
Based on your age, household, and health answers. No income estimate needed, and no physical exam.
Based on your estimated income for the year. Self-employed revenue can push you out of subsidies.
Access to one of America's largest PPO networks, with customizable deductibles, out-of-pocket maximums, and add-ons like dental.
Often narrower HMO or EPO networks, with fixed metal tiers (Bronze, Silver, Gold, Platinum).
- Are in good health
- Earn too much for meaningful subsidies
- Want a broad PPO network
- Want to customize your coverage
- Have ongoing health conditions
- Qualify for large income-based subsidies
- Need guaranteed approval
- Are fine with a narrower network
WHAT THE MARKETPLACE GETS WRONG
Not all coverage is created equal.
The standard marketplace design is not made for you. Plugging in your pre-tax income for a premium based on your revenue instead of profit will penalize you for being self-employed every single time. Normal people will be able to get by since they are not reinvesting most of their revenue straight back into their business, but that's exactly your problem.
Everpath will find the solution.
We will find plans that won't even require you to estimate your income. Instead, they will only look to see if you are healthy. And no physical is required throughout the approval process.
Customizable plans.
The plans we work with are highly customizable, from the dental to the out-of-pocket maximums. Using one of America's largest PPO networks, you will be covered where you want, when you want.
What's the catch?
There is no catch. However, many people do not meet the health requirements to get approved for coverage. If you are lucky enough to be in good health, these options may be available for you.
The goal isn't simply to find something cheaper. It's to find out whether a different coverage structure actually makes sense for you.
A better-fit decision
You're not looking for the cheapest plan.
You're looking for a way to stop overpaying without making a bad tradeoff.
What you'd like to reduce
- Your monthly premium
- Paying heavily for coverage you rarely use
- Hours spent comparing confusing plan language
What you don't want to sacrifice
- Doctors and providers that matter to you
- Meaningful protection when you actually need it
- Understanding what you're signing up for
That's the question Everpath helps you answer.
See whether another coverage path may fit your situation, then understand the details before deciding whether a change makes sense.
“I thought paying less meant worse coverage.”
“They checked the doctors we use and walked me through what was different before we switched. We ended up paying less for coverage that made more sense for us.”
Tennessee · Family coverage
A simpler way to see what's available
- 01
Answer a few quick questions
We'll first determine what type of coverage path may make sense for your situation.
- 02
See if you're a fit
Your answers help determine whether Everpath's available options are worth exploring.
- 03
Review your options with guidance
If there's a potential fit, a licensed professional can help you understand the coverage before you make a decision.
Before you decide
Understand what you’re getting.
Licensed guidance
You shouldn't have to decipher health-insurance terminology alone.
Compare before switching
See what's available and understand the differences before deciding whether changing coverage makes sense.
Your doctors matter
Important providers and network details should be verified before enrollment.
Privacy-conscious qualification
See our Privacy Policy and Consumer Health Data Privacy Notice for how information may be handled and shared.
Everpath is not an insurance carrier, government website, or healthcare provider. Plan availability, eligibility, benefits, and pricing depend on your circumstances and the products available where you live.
Clear answers
Common questions
Clear answers before you decide whether to explore your options.
Before you pay another premium, see what else may be available.
Find out in about a minute whether another coverage path may be worth a closer look.
Takes about a minute • See if you could pay less.