Same price, either way
A plan costs the same through an agent as on healthcare.gov. The carrier pays the commission out of that premium, so the help is free.
Over the line? Compare private
Above $63,840 of net income for one person there is no credit. A healthy 1099 worker often pays less on a private plan with a national PPO network, from $180 a month at 40.
The deduction is yours
Premiums for the medical coverage come off above the line (Form 7206), which also lowers the income the credit is measured on.
The numbers behind this site
Start where your situation starts
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The short answer
The short answer: a 1099 worker buys health insurance with no employer paying a share, so the price is the filed rate for the county, the age and the household, minus a tax credit that depends on net income and disappears above $63,840 for one person in 2027. Across the 24 HealthCare.gov states on this site the median Silver premium for a 40-year-old runs from $604 a month in Iowa to $1,254 in West Virginia before any credit. At the BLS median, 36 of the 101 trades here sit over the line for a single person and pay full price; the rest are under it and the benchmark plan is capped at 2.15% to 10.22% of income.
What an employee never has to think about is the whole of this site: the credit on an income that moves, the deduction that lowers it, the repayment rule when the estimate is wrong, the states where no marketplace plan is a PPO, and the private market for the healthy person over the line. Every number is tied to the CMS plan files, BLS wage data and the IRS schedule, and the ZIP box on every page goes to a licensed agent, not a call center.
What the marketplace charges at 40
| State | Median Silver at 40 | Cheapest Silver at 40 | at 27 | at 60 | Insurers | PPO filed |
|---|---|---|---|---|---|---|
| Iowa | $604 | $471 | $386 | $1,000 | 5 | No |
| Indiana | $616 | $474 | $388 | $1,006 | 4 | No |
| Ohio | $692 | $528 | $433 | $1,122 | 9 | No |
| South Carolina | $767 | $587 | $481 | $1,246 | 6 | No |
| Michigan | $774 | $469 | $384 | $995 | 7 | Yes |
| Oklahoma | $775 | $618 | $507 | $1,313 | 5 | Yes |
| Arkansas | $780 | $718 | $589 | $1,525 | 4 | Yes |
| Alabama | $782 | $656 | $538 | $1,393 | 4 | Yes |
| Wisconsin | $801 | $615 | $504 | $1,305 | 12 | Yes |
| South Dakota | $812 | $561 | $460 | $1,192 | 3 | Yes |
| Florida | $848 | $597 | $489 | $1,267 | 12 | Yes |
| Mississippi | $851 | $758 | $622 | $1,610 | 3 | No |
| Missouri | $853 | $590 | $484 | $1,253 | 6 | No |
| North Carolina | $866 | $545 | $447 | $1,158 | 5 | Yes |
| Louisiana | $869 | $641 | $526 | $1,361 | 6 | Yes |
| Tennessee | $902 | $696 | $571 | $1,478 | 5 | No |
| Montana | $908 | $678 | $556 | $1,441 | 2 | Yes |
| Texas | $909 | $598 | $491 | $1,270 | 13 | No |
| Utah | $916 | $601 | $564 | $1,218 | 5 | No |
| Delaware | $950 | $869 | $713 | $1,845 | 2 | Yes |
| Kansas | $973 | $632 | $518 | $1,341 | 5 | No |
| Nebraska | $991 | $699 | $573 | $1,485 | 5 | No |
| Wyoming | $1,242 | $1,121 | $919 | $2,381 | 2 | Yes |
| West Virginia | $1,254 | $1,016 | $833 | $2,158 | 2 | Yes |
CMS Plan Year 2027 plan files, every individual-market plan filed in the 24 HealthCare.gov states on this site; monthly, full price before any premium tax credit. The six state-run exchanges Health Advisory also serves (Colorado, Georgia, Illinois, Maryland, Nevada, Virginia) publish no comparable file.
How it goes
- 1
Your ZIP and your income
The ZIP picks the county’s plan list; the income you expect to net sets the credit, or rules it out.
- 2
Every plan, priced against your number
A licensed agent prices the marketplace plans with the credit and the private plans without it, side by side.
- 3
Options, sent the way you like
Text, call or email, usually the same day. Nothing is bought until you say so.
Common questions
What is the best way for a self-employed person to get health insurance?
Under the 2027 credit line ($63,840 of net income for one person, $132,000 for a family of four), the marketplace, priced on the income you expect to net, because the credit cuts the price in a way no private plan can match. Over the line and healthy, compare a private plan. With a spouse on an employer plan, the family-coverage test decides. How it works on a 1099; the long version is on Coverage by County.
Why don't I qualify for subsidized health insurance?
The usual reasons for 2027: net income above 400% of the poverty line for your household ($63,840 for one person, $86,560 for a couple, $132,000 for four); income under 100% of the poverty line ($15,960 for one person), where the marketplace credit does not reach in most states; an affordable employer plan available through a spouse’s job; or last year’s income on the application instead of this year’s estimate. The credit on 1099 income.
How much does self-employed health insurance cost in 2027?
At full price the median Silver plan for a 40-year-old runs from $604 a month in Iowa to $1,254 in West Virginia across the 24 HealthCare.gov states here, and the cheapest Silver is lower in every state; under the credit line the benchmark is capped at 2.15% to 10.22% of income. The cost guide.
Is health insurance tax deductible if you're self-employed?
Yes. Premiums for the medical coverage of you, your spouse and dependents come off above the line on Form 7206, up to net profit, in any month no employer plan was available through a job or a spouse; the deduction also lowers the income the credit is measured on. An S-corp owner takes it through Box 1 of the W-2. The deduction.
Can I get a PPO plan if I'm self-employed?
In 11 of the 24 HealthCare.gov states on this site no marketplace plan is a PPO for 2027 (Indiana, Iowa, Kansas, Mississippi, Missouri, Nebraska, Ohio, South Carolina, Tennessee, Texas, Utah). Where one is filed it usually costs more than the EPO beside it. A healthy person over the credit line can compare a private plan with a national PPO network, from $180 a month at 40. PPOs, state by state.
How do I cover my family when I'm self-employed?
One marketplace application for the household, credited on household income against the line for its size, each person priced by age, with only the three oldest children under 21 charged; the deduction covers the family’s premiums and the family’s 2027 out-of-pocket maximum is $24,000. A family on 1099 income.
Who runs this
Plans For 1099 is one of five reference sites run by Health Advisory, the agency of Daniel Griffin, a licensed independent health insurance agent (NPN 22052447) in Valrico, Florida. Coverage by County holds every plan by county, Plans By State compares states, Plans By City reads the insurers’ hospital files, and Plans For Small Business covers the owner with people on payroll. This one is for the person with no employer plan and an income that moves. About · How the numbers are checked.
Now see your own 1099 number.
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