![]() This company offers health insurance for self-employed people and their families through various products, including short-term health insurance, supplemental insurance, dental and vision coverage. Why we chose it: With 1.3 million healthcare providers and over 6,500 hospitals, United Healthcare's network is one of the most expansive in the country. However, the company has a reputation for dependability, with an A rating from AM Best and an A+ from the BBB. For other services, physician copays start at $20.Īetna is not the most affordable option if you don't qualify for premium tax credits through the ACA. Members can also access 24/7 virtual care for free. You can visit a local MinuteClinic for preventive and emergency services for as low as $0. Therefore, you should talk to an Aetna agent about your options based on location and income or see your plan options by entering your zip code on Aetna's website.Īnother benefit for self-employed professionals on a budget is Aetna's low-cost MinuteClinic services. Unfortunately, those tax credits aren't available nationwide. That means you can reduce your premium costs based on your income.įor example, if you make less than 150% of the federal poverty level, you could purchase a Silver plan through Aetna and contribute as little as $0. This option is solid if you’re starting a freelance career and want to access coverage through the Affordable Care Act (ACA).Īetna offers a variety of HMO, PPO and EPO plans, with all plans eligible for the maximum premium reduction provided through the Affordable Care Act. Why we chose it: Aetna's plans are eligible for the maximum premium tax credit, meaning you can offset your health insurance costs depending on your income. ![]() Overall, Blue Cross Blue Shield provides a dependable option for a self-employed person who wants low premiums and a large provider network. You can also add dental insurance for kids and adults to your plan. Physician copays start at $10, and some plans include health and wellness discounts for gym memberships and fitness equipment. It also gets an A+ from the Better Business Bureau (BBB). 1 for customer satisfaction, but it's ranked much lower in California.ĭepending on the region, this company has A, A- or A+ ratings with the credit rating agency AM Best. For example, JD Power ranks Blue Cross Blue Shield of Illinois as No. That means customer service can vary by location. The main drawback of this insurance provider is that it's made up of a network of 35 regional companies. The insurer also has a vast provider network throughout a broad coverage area, with around 1.7 million participating doctors and hospitals across the country. Gold plans also benefit self-employed individuals who would rather know up front how much they’re going to spend on healthcare (and fit it into their budgeting plans), even with the higher monthly premiums. "Gold" health insurance plans offer lower out-of-pocket costs for higher monthly premiums and are generally a good option for people who often use medical services. We included this company on our list of the best self-employed insurance options for its affordable Gold plans. Its Gold plan offers comprehensive coverage with low out-of-pocket maximums for self-employed individuals and their families. Why we chose it: Blue Cross Blue Shield is a reputable health insurance company with a huge provider network. Difficult to find a servicer in some regions.
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