Self-employed people may be able to purchase individual health insurance through the ACA Marketplace. Eligibility for financial assistance depends on household and coverage circumstances, as well as applicable law.

Start with the Marketplace

The official Marketplace can show available plans based on your location and household information. Some states operate their own Marketplace.

Estimate household income carefully

Self-employment income can fluctuate. Use the Marketplace’s instructions for estimating annual household income, and update your application if circumstances change.

Compare plans for your work needs

Consider access to local doctors, specialists, hospitals, prescription coverage, and telehealth services if available. Compare premiums and out-of-pocket costs rather than choosing by price alone.

Keep tax records

Marketplace savings may be connected to federal tax filing and reconciliation requirements. Keep records of income estimates, eligibility notices, premium payments, and tax documents.

Get qualified help

A Marketplace navigator or qualified tax professional may help with application or tax questions. Use official resources and avoid sharing sensitive information with unverified websites.

Important: This article is educational, not tax or insurance advice. Confirm current eligibility and tax rules through HealthCare.gov and IRS.gov.