Updated for 2027
I’m self-employed. How do I get health insurance?
Most self-employed people and 1099 workers buy a plan through the Health Insurance Marketplace for their state, and any savings are based on your expected net income for the year, not your gross sales. What you pay depends on that income estimate, your household size, your ZIP code, and the plan level you choose. You can enroll during Open Enrollment each fall, or within 60 days of a qualifying life event such as losing other coverage, moving, or having a baby.
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Common questions
What income do I use if I’m self-employed?
Use your expected net self-employment income for the year, which is what you earn after business expenses, plus any other income in your household. If it changes during the year, you can update your application.
What if my income goes up or down during the year?
Report the change to the Marketplace so your savings can be adjusted. Savings are settled when you file taxes, so if your income ends up higher than you estimated, you may have to pay some of it back.
Can I deduct my health insurance premiums?
Many self-employed people can deduct the premiums they pay themselves. That deduction and Marketplace savings affect each other, so it is worth checking with a tax professional.
I just left a job to work for myself. When can I enroll?
Losing your job coverage gives you 60 days to pick a Marketplace plan, and you can apply up to 60 days before that coverage ends.
General information, not tax or legal advice. Rules, savings and plan choices vary by state and household.