1099 Health Insurance: What You Need to Know

As a freelancer or contractor, you may have heard about 1099 health insurance. It’s a term that’s often thrown around, but what does it actually mean? In this article, we’ll break down everything you need to know about 1099 health insurance, including what it is, who qualifies, how to get it, and much more.

What is 1099 health insurance?

1099 health insurance, also known as self-employed health insurance, is health insurance coverage for individuals who work for themselves as freelancers or contractors. In the United States, most people get health insurance through their employer, but if you’re self-employed, you have to find coverage on your own.

1099 health insurance is not a specific policy, but rather a term that describes health insurance coverage for self-employed individuals. It’s important to note that 1099 health insurance is not a government program, but rather a private market option.

Why is 1099 health insurance important?

Health insurance is important for everyone, but it’s especially important for self-employed individuals. Without health insurance, a serious illness or injury could lead to financial ruin. With 1099 health insurance, you can protect yourself and your family from the high cost of medical care.

Additionally, having health insurance can improve your overall well-being. You’ll have access to preventive care, such as annual check-ups and screenings, which can help you catch health issues early and take steps to prevent more serious problems down the line.

Who qualifies for 1099 health insurance?

If you’re self-employed, you may be eligible for 1099 health insurance. This includes freelancers, independent contractors, and small business owners who do not have any employees. If you have employees, you may still be eligible for 1099 health insurance, but you’ll need to provide coverage for your employees as well.

To qualify for 1099 health insurance, you must meet certain criteria. First, you must be self-employed or work as a freelancer or contractor. Second, you must not be eligible for health insurance through an employer or spouse’s employer. Finally, you must have a taxable income that meets the minimum threshold for eligibility.

How do I know if I meet the income requirements?

The income requirements for 1099 health insurance vary depending on the state and the insurance provider. In some states, you may be eligible for 1099 health insurance if you have a taxable income of at least $5,000 per year. In other states, the minimum threshold may be higher.

To find out if you meet the income requirements for 1099 health insurance in your state, you can contact a licensed insurance agent or visit the website of a reputable insurance provider.

How do I get 1099 health insurance?

Getting 1099 health insurance can be a bit more complicated than getting insurance through an employer. However, there are several options available to self-employed individuals.

1. Individual health insurance

The most common option for self-employed individuals is to purchase an individual health insurance policy. You can purchase a policy directly from an insurance provider, or you can use a broker or marketplace to compare policies and prices from multiple providers.

When shopping for individual health insurance, it’s important to consider your health care needs and budget. You’ll want to look for a policy that provides the coverage you need at a price you can afford.

2. Health savings accounts (HSAs)

A health savings account (HSA) is a tax-advantaged savings account that can be used to pay for qualified medical expenses. To qualify for an HSA, you must have a high-deductible health insurance plan (HDHP).

As a self-employed individual, you can open an HSA and contribute pre-tax dollars to the account. You can then use the funds to pay for qualified medical expenses, such as deductibles, copayments, and prescriptions.

3. Professional organizations

Some professional organizations offer group health insurance policies to their members. If you’re a member of a professional organization, you may be able to access affordable health insurance through the organization.

However, it’s important to carefully review the policy to make sure it meets your needs. Group policies may have limited options or may not provide the same level of coverage as individual policies.

FAQ: Common Questions About 1099 Health Insurance

1. Is 1099 health insurance affordable?

The cost of 1099 health insurance varies depending on factors such as your age, location, and health care needs. However, many self-employed individuals find that individual health insurance policies are affordable, especially with the help of subsidies or tax credits.

2. Can I get 1099 health insurance if I have a pre-existing condition?

Under the Affordable Care Act (ACA), insurance providers cannot deny coverage or charge higher rates based on a pre-existing condition. This means that you can still get 1099 health insurance even if you have a pre-existing condition.

3. How do I compare different 1099 health insurance policies?

When comparing 1099 health insurance policies, there are several factors to consider, including:

  • Monthly premiums
  • Deductibles
  • Coinsurance and copayments
  • Out-of-pocket maximums
  • Network of providers

It’s important to carefully review the policy details and compare multiple policies before making a decision.

4. Can I change my 1099 health insurance policy?

Yes, you can change your 1099 health insurance policy during the open enrollment period, which typically occurs once a year. You can also make changes to your policy if you experience a qualifying life event, such as getting married or having a baby.


1099 health insurance is an important consideration for self-employed individuals. By understanding what it is, who qualifies, and how to get it, you can make informed decisions about your health care coverage. Whether you choose an individual health insurance policy, a health savings account, or another option, taking steps to protect your health and financial well-being is always a smart move.