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As a self-employed person, can I get individual health insurance?

The following health insurance options are available to you if you are self-employed or a small business owner or employee:
  • Employer-Sponsored Coverage: The most common way that Americans get health insurance coverage is through their employer. Federal and state laws have provided employees numerous consumer protections.
  • Groups of One: In some states, self-employed persons and small business owners can purchase a group health insurance policy that will cover just one person.
  • Individual Coverage: Individual health insurance policies may be an option for people who do not have access to job-based coverage. Some states offer individual coverage to all persons regardless of their health status.
  • High-Risk Pools: Currently, over 30 states offer high-risk pools as a health insurance option for persons who are otherwise unable to qualify for health insurance coverage.
  • Prescription Assistance: Most pharmaceutical companies have established patient assistance programs to help uninsured individuals get the medications that they need to stay healthy.

Self-employed individuals can also investigate associations which may offer 'group insurance' as a benefit of membership. Look into associations like business or civic associations, professional associations, and benevolent organizations for group benefit information. While your application may still have to be "underwritten," you may benefit from a larger group or pool of members.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.