Health insurance for plumbers and electricians
Coverage built for the skilled trades — whether you run a shop with a crew or work the tools yourself as an independent contractor.
Schedule a Consultation
2+
Employees needed to start a group plan
100%
Of self-employed premiums may be deductible
10+
Carriers compared on every quote
Why plumbers & electricians is different
The trades are one of the few careers where your income depends entirely on your body holding up. A blown back, a burn, a bad fall from a ladder — any one of them can take a plumber or electrician off the job for months, and a health plan alone does not replace the paycheck.
We work with both sides of the trade: independent journeymen who need affordable individual coverage and real income protection, and shop owners who want a benefits package strong enough to keep licensed techs from jumping to the competition.
We understand your challenges
- Physically demanding work with real injury risk
- Fluctuating income and seasonal slowdowns
- Finding affordable coverage without an employer plan
- Licensed techs poached by shops that offer benefits
- No paycheck at all during a long recovery
How we help
- Affordable individual and family marketplace plans
- Group coverage options when you hire helpers or grow a crew
- Accident, disability, and income-protection add-ons that fit trade work
- Guidance on the self-employed health insurance deduction
- Coverage that stays with a tech even if they move on
What we put in place
Individual & family marketplace plans
For the self-employed tradesman — priced against your real net income so premium tax credits do the heavy lifting.
Small group medical for your shop
Competitive group plans starting at two W-2 techs, with the contribution split and network you choose.
Accident, disability & critical illness
Cash paid straight to you when an injury keeps you off the tools, plus lump-sum coverage for a heart attack, stroke, or cancer diagnosis.
Retention benefits for licensed techs
Dental, vision, life, and Debt Free Life strategies that make your shop the one journeymen do not leave.
Who we help in plumbers & electricians
- Independent plumbers and journeyman electricians
- Plumbing and electrical shops with 2–50 techs
- HVAC and mechanical contractors
- Apprentices coming off a parent's plan at 26
- Service companies with on-call and after-hours crews
The coverage starts with you, but it stays with them.
Employees can keep their benefits for as long as they want — even if they move to a new job.
Frequently asked questions
I'm a self-employed plumber — can I get a good plan on my own?+
Yes. We compare ACA marketplace and private options, and many self-employed tradespeople qualify for significant premium tax credits based on income.
Can I deduct my premiums as a business expense?+
Often yes — self-employed health insurance deductions can lower your taxable income. We'll show you how to structure it and coordinate with your CPA.
What happens if I get hurt on the job?+
Health insurance covers treatment, but we also recommend accident and disability plans that replace income while you recover — critical when you are the business.
I have two techs. Is that enough for a group plan?+
Yes. Group medical generally starts at two W-2 employees, and you control how much of the premium the shop covers.
Will my apprentice be covered?+
Apprentices are eligible under the same rules as other employees. For those aging off a parent's plan at 26, we can also set up individual coverage.
Does workers comp already cover this?+
Only for injuries that happen on the job. Weekend accidents, illness, surgeries, and family care are all on your health plan — which is where most costs actually show up.
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