Health insurance for self-employed and 1099 workers in Arizona
- Individual and family plans are open to self-employed people.
- Savings depend on household income, so estimate it carefully.
- Premiums may be tax deductible for some self-employed people.
When you work for yourself, health insurance is up to you. The good news is that the individual market was built for exactly this situation.
Your main options
- Individual and family (ACA) plans: comprehensive coverage that includes essential health benefits and covers pre-existing conditions.
- Private plans sold outside the Marketplace: some carriers offer plans directly or through agents, including PPO options.
- Short-term coverage: a temporary option for gaps. It is not comprehensive coverage and may exclude pre-existing conditions.
- A spouse's employer plan: if available, compare it against individual options.
Estimating your income
Savings on Marketplace plans are based on your expected household income for the year. For self-employed people that usually means net self-employment income after business expenses. Income that swings month to month makes this tricky, so estimate carefully and update it if things change. If your actual income ends up different, the difference can affect your taxes.
Taxes
Many self-employed people can deduct health insurance premiums. Rules depend on your situation, so check with your tax professional.
When you can enroll
Individual plans have an annual Open Enrollment period, and life events like losing other coverage, moving or getting married can open a Special Enrollment Period. Short-term and some private plans can be applied for any time of year.
See your Arizona options
Answer a few quick questions. A licensed agent will walk you through plans that fit.
This article is general information, not legal, tax or medical advice. Plan availability, benefits, eligibility and prices vary by location and situation. A licensed agent can review your specific options.