Health Insurance for Self-Employed People & 1099 Contractors in South Carolina
When you work for yourself, nobody hands you a benefits package. Luke Rankin helps South Carolina freelancers, tradespeople, realtors, truckers, consultants and small business owners find health coverage that makes sense for a self-employed budget.
The most common mistake Luke sees
Many self-employed people assume the ACA Marketplace is their only choice. If your income is too high for a subsidy, you may be paying full price for a plan with a narrow network. Private PPO plans are often a better value for healthy self-employed people and their families.
What Luke compares for you
- Private PPO plans with nationwide networks
- ACA Marketplace plans, with subsidy estimates
- Plans for you and your spouse or whole family
- Add-on dental, vision, life and disability coverage, which matters when you're the only income
Tax note
Self-employed people can often deduct health insurance premiums. Ask your tax professional how it applies to you.
Six words Luke isn't afraid to say: "You're better off where you are."
If your current plan is already your best option, Luke will tell you. He doesn't want your business unless he can honestly do better for you.
Frequently asked questions
I just went out on my own. When can I get health coverage?
Losing employer coverage usually opens a Marketplace special enrollment window, and many private plans can start quickly with no enrollment window at all.
Does my income have to be steady to qualify?
Not for private plans. For ACA subsidies, you'll estimate your income for the year.
Can I cover my employees too?
Yes. Luke also sets up small group plans once you're ready to hire.
Let's find the right fit
Get a free, personalized quote in about three minutes, or talk it through directly with Luke.