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Health Insurance Options for the Self-Employed

When you are self-employed, you get to enjoy the freedom that comes with being your own boss. You also have to make big decisions like choosing your own healthcare plan. There are many great options available and understanding those options can take a lot of stress out of the search for health insurance.

As a self-employed person, with no employees, you are considered an individual in the eyes of the government. This means you are now required to have health insurance or you could be subject to penalties come tax season. Whether you are a freelancer or starting your own business, the flexibility of today’s health care options makes it easier than ever to find a plan that works for you.

Humana offers a variety of plans to fit your budget, plans that can cover not only you but your family as well. No matter what your situation, we can help you find a plan that’s right for you. Visit humanahelps.com during open enrollment to learn more about the healthcare options available through Humana. If you’ve missed open enrollment, continue reading to learn more about your options.

Financial Assistance

Many people are eligible for financial assistance. Eligibility is based on household income and family size and changes yearly based on federal guidelines. If you qualify, financial assistance and lower out-of-pocket costs could help make healthcare coverage more affordable.

To find out if you qualify for financial assistance to help lower your cost for healthcare coverage and what plan best fits your needs and budget please visit http://easyprice.humana.com.

Contact an agent

You can also choose to work with an agent or broker to find an insurance plan at no additional cost to you. Agents are a trusted resource who have a strong knowledge of insurance and can offer you a range of options that best fit your needs. An agent will work with to decide on a plan that fits your budget and meets your needs as a self-employed person. They can even help you with finding financial assistance through the Marketplace.

Find a plan through the Health Insurance Marketplace

If you choose to look for plans on your own and think you might be eligible for financial assistance, you can search for plans through the Health Insurance Marketplace. To get a health insurance plan through the Marketplace, you must sign up during the open enrollment period. If you have missed open enrollment, you may have a qualifying life event that would make you eligible for a special enrollment period.

Some qualifying life events include:

  • Losing coverage due to job loss
  • Being between jobs or having a change in income
  • Moving to a new area not covered by your current plan
  • Getting married
  • Having a child

Learn more about Humana plans available in your area.

Explore more

Explore Humana’s range of options available to the self-employed.

The benefits of an HSA

If you’re self-employed, find out more about how having an HSA may help during tax time.

HSAs, FSAs and more

Learn more about HSAs, FSAs and other ways to manage your healthcare dollars by watching this quick video.

Connect with Humana community

Common healthcare terms defined

From abrasion to X-ray, the Humana glossary explains common insurance and medical terms.

Browse our healthcare glossary
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