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.

State Guides·April 10, 2026·6 min read

Health Insurance for Freelancers in Texas: 2026 Guide

Texas has no state mandate and one of the highest uninsured rates in the country. Here's what freelancers and 1099 workers can actually buy in 2026.

State Guides·April 8, 2026·6 min read

Health Insurance for Freelancers in Florida: 2026 Guide

Florida has the second-highest uninsured rate for self-employed workers. Here's what freelancers, consultants, and 1099 contractors can pick from in 2026.

State Guides·April 5, 2026·5 min read

Health Insurance for Freelancers in Tennessee: 2026 Guide

PSM and PSN of Tennessee are headquartered in the state, which makes Tennessee one of the best places in the country to be a self-employed buyer.

State Guides·April 3, 2026·5 min read

Health Insurance for Freelancers in Georgia: 2026 Guide

Georgia's marketplace is expensive and Medicaid is tightly limited. Here's how freelancers, 1099 contractors, and small business owners can find cheaper coverage.

State Guides·March 30, 2026·5 min read

Health Insurance for Freelancers in North Carolina: 2026 Guide

North Carolina expanded Medicaid in 2023, which changed the math for lower-income freelancers. Here's what 1099 workers should look at in 2026.

Savings·March 28, 2026·7 min read

The Cheapest Health Insurance for Self-Employed People in 2026

What's actually the cheapest health insurance if you work for yourself? A ranked breakdown by real total cost, not just the headline premium.

Savings·March 24, 2026·5 min read

How Much Does Health Insurance Cost for a 1099 Contractor in 2026?

National averages, what drives the number up or down, and how to get an accurate estimate for your situation without handing over your email.

Working Owners·March 21, 2026·5 min read

Can One Person Get Group Health Insurance? Yes, Here's How

Group health insurance for one person sounds like a contradiction. It isn't. Here's what Working Owner groups are, and why they exist.

Plan Types·March 20, 2026·6 min read

PPO vs HSA vs EPO: Which Health Plan Fits a Freelancer?

Plain-English guide to the three letter soups and when each one is the right call for self-employed people.

Savings·March 17, 2026·7 min read

ACA Alternatives for 1099 Workers: 5 Real Options Compared

Not every self-employed worker is a good fit for Healthcare.gov. Here are five ACA alternatives for 1099 workers, with the math and the tradeoffs.

Working Owners·March 12, 2026·6 min read

How to Get Health Insurance Without an Employer (2026)

Five ways to get health insurance when you don't have an employer plan: marketplace, group, spouse's plan, parent's plan, and COBRA.

Savings·March 12, 2026·5 min read

Is a Group Health Plan Cheaper Than the ACA Marketplace?

Why working owners typically save 25% to 45% vs Healthcare.gov, and what's actually driving the difference.

Taxes·March 7, 2026·5 min read

The Self-Employed Health Insurance Tax Deduction, Explained

You can deduct your premiums above the line if you're self-employed. Here's who qualifies, what counts, and how it works with a group plan.

Working Owners·March 5, 2026·4 min read

Working Owner Eligibility: Do You Qualify for Group Health?

Who can actually enroll: 1099 contractors, freelancers, gig workers, self-employed owners, and some W-2s.

Working Owners·March 2, 2026·6 min read

Best Health Insurance for Gig Workers: Uber, DoorDash, and Instacart Drivers

Gig platforms don't offer health insurance. Here's what Uber, Lyft, DoorDash, Instacart, and Amazon Flex drivers should actually pick in 2026.

Plan Types·March 1, 2026·5 min read

Reference-Based Pricing, Explained for Independents

Why RBP plans have the cheapest premium of the bunch and what the tradeoff is.

Savings·February 27, 2026·4 min read

COBRA After Leaving a Job: Is It Worth It for the Self-Employed?

COBRA keeps your old plan but at full price plus admin. How it stacks up against working owner group health.

Savings·February 25, 2026·5 min read

Group Health Insurance vs Marketplace: The Real Difference

Group plans and the ACA marketplace look similar on the surface. Under the hood they're priced completely differently, and that's where the savings come from.

Working Owners·February 20, 2026·5 min read

Health Insurance for Small Business Owners With No Employees

Solo business owners can't enroll in a traditional SHOP small-group plan. Here's what you can actually get in 2026 if it's just you.

Working Owners·February 18, 2026·3 min read

The $10 Monthly Survey: Why It Makes Group Health Possible

Why every Working Owner member fills out a 2-minute survey each month, and what it has to do with getting group rates.

Savings·February 14, 2026·5 min read

When to Leave COBRA and Switch to a Self-Employed Health Plan

COBRA is a useful bridge, but it's expensive. Here's when to switch to a cheaper self-employed health plan and how to time the transition.