08/25/2026
Driving, delivering, freelancing, consulting, creating. Millions of Americans work as independent contractors.
None of it comes with a benefits package.
If you work for yourself, you are your own HR department. Finding a health insurance plan is usually not the hardest part. It is that coverage decisions assume you know what you will earn this year, and gig income rarely cooperates. Estimate your income too low and you could owe money back at tax time. Estimate too high and you paid more every month than you needed to.
One more thing people forget. If you recently left a traditional job, you did not just lose the health plan. You likely lost dental, vision, disability coverage, and a life insurance policy you may not have known you had. For anyone whose income depends on being physically able to work, that disability piece matters.
Open enrollment for individual coverage opens in early November, so now is the time to sort it out. Want help comparing your options? Reach out. There is no cost to talk.
