Benefits for Independent Contractors & Self-Employed Professionals
You’re your own boss — your benefits should work that way too. We help 1099 contractors, freelancers, and solo business owners find simple, affordable coverage for health, dental, disability, and retirement.
What we offer self-employed clients
Individual & Family Health Plans (ACA/Marketplace)
Side-by-side comparisons of carriers and metal levels, plus clear explanations of subsidies, tax credits, and networks.
Short-Term & Bridge Coverage Options
Stop-gap medical plans for transitions between jobs, new contracts, or waiting for other coverage to start.
Voluntary, Worker-Paid Benefits
Dental, vision, accident, critical illness, disability, life, telemedicine, and wellness programs — often available at group-like rates even for 1099 workers.
Retirement Solutions for the Self-Employed
Guidance on SEP-IRA, Solo 401(k), and SIMPLE IRA options so you can save for retirement with tax advantages built in.
“Contractor Group” Programs (Where Available)
Access to pooled or association-style arrangements that give independent contractors better pricing and more plan choices.
Why 1099 professionals choose Razor Benefits Group
One advisor for your whole picture
Health, dental, disability, and retirement coordinated in one place.
No carrier bias
We shop multiple carriers so you get options, not a single product push.
Plain-English guidance
We explain trade-offs, subsidies, and tax implications without jargon.
Built for flexibility
Solutions that move with you as your income, family, and work change.
Local roots, national reach
Based in Arkansas, licensed to serve clients in all 50 states.
Who we help
How it works
Book a free 20-minute benefits check-up
We’ll ask about your work, income range, family situation, and current coverage.
Get a customized options summary
You’ll see 2–3 recommended plan paths (health + key add-ons) with clear pros/cons and costs.
Enroll with support
We handle the paperwork, answer questions, and stay on as your go-to benefits contact.
Annual review
Each year we re-check your situation so your coverage still fits your life and budget.
Ready to clean up your benefits?
Schedule your free 20-minute Contractor Benefits Check-Up.
Or call/text 479-247-0329 to get started.
Based in Fayetteville/Fort Smith, AR. Serving self-employed clients in all 50 states.
Request your free check-up
We typically respond within one business day.