Notes on group health for the self-employed.
Short reads that cover what actually matters when you're picking a plan outside the W-2 world.
Health Insurance for Freelancers in Texas: 2026 Guide
Texas has no state exchange and no expanded Medicaid, which pushes more freelancers toward private options.
Health Insurance for Freelancers in Florida: 2026 Guide
Florida has the highest marketplace enrollment in the country, and a large gig economy that sits outside it.
Health Insurance for Freelancers in Tennessee: 2026 Guide
What is actually available to a self-employed Tennessean, and how to compare it honestly.
Health Insurance for Freelancers in Georgia: 2026 Guide
Georgia runs its own exchange now, and the options look different depending on whether you are in metro Atlanta.
Health Insurance for Freelancers in North Carolina: 2026 Guide
North Carolina expanded Medicaid in 2023, which changed the picture for lower-income independents.
The Cheapest Health Insurance for Self-Employed People in 2026
Cheapest premium and cheapest year are different questions, and confusing them is expensive.
How Much Does Health Insurance Cost for a 1099 Contractor in 2026?
Real numbers, and the three variables that move them most.
Can One Person Get Group Health Insurance? Yes, Here's How
Traditional small-group insurance wants two employees. There is a route that does not.
PPO vs HSA vs EPO: Which Health Plan Fits a Freelancer?
Three labels that get used interchangeably and mean quite different things for your wallet.
ACA Alternatives for 1099 Workers: 5 Real Options Compared
Every alternative to the marketplace has a specific trade-off. Here they are, stated plainly.
How to Get Health Insurance Without an Employer (2026)
A step-by-step order of operations, cheapest realistic option first.
Is a Group Health Plan Cheaper Than the ACA Marketplace?
The honest answer depends on your subsidy, your age, and how much care you actually use.
The Self-Employed Health Insurance Tax Deduction, Explained
An above-the-line deduction that a lot of freelancers either miss or claim incorrectly.
Do You Qualify for a Group Health Plan as a Business of One?
The eligibility rules are simpler than most people expect, and for these plans there is no health questionnaire.
Best Health Insurance for Gig Workers: Uber, DoorDash, and Instacart Drivers
Platform work rarely comes with benefits, and the partnerships that exist are thinner than they sound.
Reference-Based Pricing, Explained for Independents
You will see RBP plans advertised at very low premiums. Here is the mechanism, and the risk.
COBRA After Leaving a Job: Is It Worth It for the Self-Employed?
COBRA keeps your exact plan and your exact doctors. It also costs what your employer was hiding from you.
Group Health Insurance vs Marketplace: The Real Difference
Not a price comparison. A structural one, because the two work in genuinely different ways.
Health Insurance for Small Business Owners With No Employees
What is available when the business is just you, and what changes the day you hire someone.
When to Leave COBRA and Switch to a Self-Employed Health Plan
COBRA is expensive but sometimes correct. Here is how to tell which situation you are in.