Self-Employed? You Are Your Own HR Department Now

I’m Christopher Horne, a licensed health insurance broker serving Florida, Texas, Arizona, Ohio, Michigan, Iowa, North Carolina, Oklahoma, Missouri, South Carolina, Tennessee, Kansas, Louisiana, Maryland, Mississippi, Virginia. Self-employed clients are some of my favorite people to help, because a careful income estimate and a real doctor check can change the whole comparison.

Who This Guide Is For

• Freelancers and independent contractors paid on 1099 forms.
• Sole proprietors and single-member LLC owners.
• Realtors, drivers, tradespeople, creators, and consultants.
• Anyone leaving a job to work for themselves.

Start With an Honest Income Estimate

Marketplace eligibility is generally based on the household income you expect for the coverage year. Self-employment income can move month to month, so we build an honest, supportable estimate together and talk about what to do if your income changes during the year. I am not your tax advisor — for tax treatment of premiums or business deductions, check with your CPA or tax professional.

Routes Self-Employed People Commonly Compare

• Marketplace health coverage: Individual and family plans offered through the Marketplace, with eligibility based on household, income, and other factors.
• Private supplemental coverage: Separate dental, vision, accident, or hospital-related supplemental products may be available depending on state and product rules. Supplemental coverage is not a substitute for major medical coverage — we will be clear about what each product does and does not do.
• Small-business routes: If you have employees, see my small business options page for general concepts to discuss.

What to Check Before You Enroll

• Your doctors, clinics, and hospitals in network.
• Prescription coverage for medications you take regularly.
• How often you use care — occasional visits are different from ongoing treatment.
• Whether dental or vision needs to be handled separately.
• Important dates: Open Enrollment, or a Special Enrollment Period if you recently lost other coverage.

A Common Mistake to Avoid

Do not guess low on income just to see a different result, and do not rely on last year’s income if this year looks different. An accurate estimate now helps avoid surprises later. If your income changes, tell me — updating information promptly matters.

How I Help

Tell me your state, how you earn, your household, your doctors, and your prescriptions. I will help you compare options and explain next steps. Eligibility depends on your situation — for a free check, call or text me at 954-787-9118.

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