Coverage for a company of one
Consultants, freelancers, founders, and 1099 professionals with no employees. You are the business — so your health, income, and future all need protecting at once.
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100%
Of self-employed premiums may be deductible
1
Employee needed — just you
50 states
Licensed and quoting nationwide
Why solo entrepreneurs is different
When you work for yourself, nobody hands you a benefits packet. Every dollar of premium comes out of your own revenue, and a few weeks off work can wipe out a quarter.
We help solo operators pair the right individual health plan with income protection and tax-smart savings, so a bad month or a bad diagnosis does not end the business.
We understand your challenges
- No employer subsidy — you pay the whole premium
- Income swings month to month, so budgeting is hard
- No sick leave or short-term disability behind you
- Marketplace subsidy rules are confusing for 1099 income
- Easy to postpone coverage until something goes wrong
How we help
- Plans matched to variable self-employed income
- Subsidy and deduction guidance in plain language
- Income protection so a bad month is not a disaster
- HSA strategies that lower taxes and premiums
- One advisor for health, life, and long-term savings
What we put in place
Individual & marketplace medical
Plans priced against your real self-employed income, with premium tax credits when you qualify.
Disability & accident income protection
Cash benefits that replace your income when you cannot work — the coverage solo earners skip most often.
HSA-qualified high deductible plans
Lower premiums paired with a tax-advantaged savings account you keep forever.
Debt Free Life & retirement strategies
Cash-value life strategies that build accessible savings while covering the people depending on you.
Who we help in solo entrepreneurs
- Consultants, coaches, and freelancers
- Solo founders before their first hire
- Real estate and insurance agents paid on 1099
- Independent tradespeople and owner-operators
- Creatives, developers, and contract professionals
- Side-business owners leaving a W-2 job
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
Can I get coverage with no employees?+
Yes. Individual marketplace and private plans are built for exactly this, and you may qualify for premium tax credits based on your income.
Are my premiums tax deductible?+
Self-employed health premiums are frequently deductible against business income. We structure it so your tax preparer can confirm the details.
What happens if I get hurt and cannot work?+
Health insurance pays the medical bills; disability and accident plans replace the income. For a company of one, that second piece is essential.
I just left a W-2 job — what are my options?+
Losing employer coverage triggers a special enrollment period. We compare COBRA against marketplace and private plans, which is usually far cheaper.
What if I hire my first employee?+
We convert you to a small group plan or a reimbursement arrangement without restarting from scratch.
Get your options for solo entrepreneurs
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Pick a time that works — 15 minutes, no obligation