Tailored Insurance Solutions for Self-Employed people and 1099 Contractors
Owning a business doesn't have to be hard
Protect yourself and maximize your financial strategy as a 1099 contractor. Navigating insurance as an independent worker can be challenging, but we're here to help simplify it.
We have our own businesses and understand your challenges of self-employment.
We've crafted the best solutions in the industry for your situation.
Why Work with Us
Holistic Approach
We give you the peace of mind that we've explored every possible option so you can proceed confidently.
Traditional & Creative Solutions
We have marketplace options, but there's more out there for self-employed individuals such as health-based plans with comparable coverage.
Exclusive Partner Network
We've screened 600+ software and services to create the most elite partner network for self-employed people to be your value-add broker for insurance and beyond.
Our Process
01
Consultation
Start with a conversation with us to understand your needs and where we can optimize your situation.
02
Strategy
Your strategy needs to consider your past income, future income, tax strategy, and family needs.
03
Implementation
We help you directly with your health and life insurance needs. We have close partners for your tax and commercial insurance needs.
04
Support
We offer Employee Care Navigation support, COBRA reporting, and regular reviews with all of our clients
Our Trusted Partners
TaxHive
Tax Strategy & Filings
We’re proud to partner with TaxHive, experts in tax strategy for independent workers. We trust them with our tax strategy and have referred many clients who set their strategy with them and see huge insurance savings afterwards.
Coverdash
Business Insurance (Nationwide)
Business insurance is crucial to your risk mitigation strategy, and every small business needs it. We offer nationwide commercial coverage through our partnership with Coverdash.
FAQs
American healthcare is confusing. We're here to help.
What health insurance options are available for 1099 contractors?
1099 contractors can access a variety of health insurance options, including individual and family plans through the Health Insurance Marketplace, short-term health plans, and level-funded or self-funded group plans if multiple contractors join together. These options allow contractors to tailor coverage to their specific needs.
Are health insurance premiums tax-deductible for 1099 contractors?
Yes, health insurance premiums can often be tax-deductible for 1099 contractors. You may qualify to deduct premiums paid for yourself, your spouse, and dependents as an adjustment to your income. Be sure to consult with a tax professional to confirm eligibility based on your specific situation.
Can 1099 contractors join group health insurance plans?
Typically, group health insurance plans are reserved for W-2 employees. However, some innovative solutions, like association health plans or group purchasing arrangements for contractors, can provide similar benefits. Contact us to learn about group options tailored for independent contractors.
What happens if I miss the open enrollment period as a 1099 contractor?
If you miss the open enrollment period, you may still qualify for a special enrollment period due to a qualifying life event, such as a change in marital status, the birth of a child, or losing previous coverage. Alternatively, short-term health plans can bridge the gap until the next enrollment period.
How can I find the most cost-effective health insurance as a 1099 contractor?
Our team specializes in helping 1099 contractors navigate their options, from individual plans to level-funded and self-funded solutions. We also emphasize the importance of a sound tax strategy to maximize your deductions and potentially lower your adjusted gross income (AGI), which can help you qualify for valuable subsidies