1099 Health Insurance

10/14/2026

Open enrollment for 2027 Marketplace coverage starts November 1, and in most states December 15 is the deadline for coverage that begins January 1. Before you fill out another quote form, take some time to get organized.

Our new open enrollment checklist covers what to gather before you shop, why the lowest premium isn't always the lowest cost, which documents to request, and the red flags that tell you an agent is rushing you.

Self-employed, freelancing or running a small business? There's a section on estimating your income the right way.

Read it here: https://www.1099healthins.com/how-to-prepare-for-health-insurance-open-enrollment-a-checklist-and-mistakes-to-avoid/

What to gather, how to compare plans beyond the premium, and the red flags to watch for before you choose health insurance for 2027.

10/13/2026

$1,650 a month. A $17,500 deductible. We understand why some families are asking whether health insurance is worth it at all. Before you cancel, it helps to know what that math leaves out, what a bad year could really cost, and how to tell if your plan actually protects you.

Our new guide breaks it down in plain English.

https://www.1099healthins.com/is-health-insurance-worth-it-with-a-high-deductible-the-risk-of-going-without/

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Premiums plus deductible isn't the whole story. Learn what high-deductible coverage really protects, the risks of going uninsured, and what to check before you cancel.

10/07/2026

Your monthly premium keeps your health plan active. It doesn’t tell you what your care will actually cost.

Before you choose a plan for 2027, ask yourself: If you were hospitalized next month, could you explain what your insurance would pay—and what you might still owe?

Our new guide walks self-employed people, freelancers, and 1099 contractors through the three numbers that matter:

✅ A starting monthly premium budget
✅ What a normal year of care could cost
✅ What a serious medical year could cost

You’ll also find a fill-in budget worksheet, a side-by-side plan example, and 7 questions to ask about any quote.

📖 Read the full guide: https://www.1099healthins.com/self-employed-health-insurance-cost/

Want a second set of eyes? Bring your plan summary, monthly premium, doctors, and medication list to a free, approximately 15-minute phone or video consultation.

📞 Call or text: (833) 833-1099

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Your premium is only part of the picture. Here’s how self-employed adults can budget for a normal year and a serious medical year.

10/05/2026

Open Enrollment is about more than finding the lowest monthly premium.

We created a free 2027 Health Insurance Open Enrollment Guide to help individuals, families, self-employed professionals, and 1099 workers understand what really matters before choosing coverage.

The guide covers:
✓ Key Open Enrollment dates
✓ Premiums, deductibles, and out-of-pocket costs
✓ Doctor and hospital networks
✓ Prescription drug coverage
✓ Marketplace and other coverage options
✓ Questions to ask before enrolling
✓ Common red flags to watch for
✓ Printable plan-comparison worksheets

You can watch the video, download the guide, and print a copy to use while comparing your options.

And if you'd rather have someone walk through the options with you, you can schedule a free consultation with 1099 Health Insurance.

https://www.1099healthins.com/health-insurance-open-enrollment-guide/

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Before choosing a health plan, learn what to compare beyond the monthly premium. Watch the video and download our free printable 2027 Open Enrollment Guide.

10/04/2026

Did you see the headline about hospitals, AI, and nearly $1 billion in extra billing?

A September 2026 analysis from the Blue Cross Blue Shield Association estimated that more complex hospital coding added about $942 million in costs for Blue plans over two years. It's an insurer group's analysis, and it doesn't prove any individual bill is wrong. But it's a good reminder that you have every right to ask questions about your bill.

You don't need to prove AI was involved. Start here:

✅ Request an itemized hospital bill
✅ Compare it with your Explanation of Benefits (EOB)
✅ Ask the hospital for a coding review of anything that doesn't match
✅ Call your insurer to confirm the claim was processed correctly
✅ Ask about financial assistance, even if you have insurance

Our new guide walks through each step. It includes copy-and-paste scripts for calling the hospital and your insurer, plus a checklist you can save.

📖 Read the full guide: https://www.1099healthins.com/ai-and-inflated-hospital-bills-how-to-check-your-bill-and-protect-yourself/

Have a question about your coverage or a bill that doesn't make sense? Call or text (833) 833-1099.

A new insurer report raised questions about AI and hospital billing. Here's how to review your bill, compare it with your EOB, and know whom to call.

10/03/2026

Choosing health insurance for 2027? Don’t just look at the monthly premium.

In this new video, we break down what actually matters when comparing coverage — including Open Enrollment dates, Marketplace vs. private plans, PPO vs. HMO vs. EPO networks, deductibles, maximum out-of-pocket costs, HSAs, and what could happen if you faced a major medical claim.

We also walk through the 3 questions I think every health insurance plan should pass before you enroll:

1. Do you understand the plan?
2. Can you afford it in a bad year?
3. Do you trust who you’re buying it from?

Watch the full 2027 Open Enrollment guide here on Facebook, and if you want help comparing your own options, you can learn more at 1099HealthIns.com or call/text (833) 833-1099.

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09/30/2026

Does your health insurance cover Ozempic, Wegovy, Mounjaro or Zepbound? The honest answer: it depends on your exact plan, not just the name on your insurance card.

Two people with the same insurance company can get completely different answers. Coverage depends on the specific medication, why it's prescribed, and your plan's list of covered drugs.

Our new guide explains:

• Why a plan might cover Ozempic but not Wegovy
• What GLP-1s cost without insurance through manufacturer programs
• What to do if your claim is denied
• Why the lowest-premium plan isn't always the cheapest if you take an expensive medication

Read the full guide: https://www.1099healthins.com/does-insurance-cover-glp-1-medications/

Self-employed or comparing plans? Message us for more info

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09/29/2026

Could GoodRx save you money on prescriptions? Sometimes—but check the price through your insurance before you pay.

GoodRx Companion adds a monthly fee, so it’s worth doing the math with the medications you actually take.

We break down the free coupons, the insurance and deductible catch, and when Companion may be worthwhile.

Read the guide: https://www.1099healthins.com/is-goodrx-worth-it/

09/28/2026

Deductibles, copays, coinsurance, OOP maximums… feel like health insurance is written in another language? 🤯

When you’re self-employed or working on a 1099, you are your own HR department. That means picking a health plan falls completely on you—and confusing insurance jargon shouldn’t stand between you and the right coverage.

To make things easy, we broke down all the terms you actually need to know:

🔹 Deductible vs. Out-of-Pocket Max: What you pay before insurance kicks in vs. the absolute cap on what you’ll pay in a plan year.

🔹 Copay vs. Coinsurance: Fixed dollar fee per visit vs. your percentage share of the medical bill.

🔹 HMO vs. PPO: Network restrictions with referral requirements vs. the flexibility to see any doctor or specialist nationwide.

🔹 HSA vs. FSA: Tax-advantaged accounts that help independent pros save money on medical expenses.

Stop guessing what your policy covers. Bookmark our free Health Insurance Glossary and get clear, straightforward answers before you pick your next plan:

👉 Read the Glossary: https://www.1099healthins.com/insurance-center/glossary/

Have questions about what plan fits your 1099 budget? Drop a comment below or give our team a call at (833) 833-1099. We're here to help!

Confused by deductibles, copays, coinsurance, PPOs, HMOs, Marketplace credits and other health insurance terms? Get simple, plain-English definitions.

09/26/2026

Health plan renewals are hitting hard this year. 📈

Employer health costs are rising at the fastest pace in about 15 years. Bloomberg recently reported that more than 20,000 employers are now using Health Reimbursement Arrangements (HRAs) to help employees pay for coverage.

That doesn't mean group health insurance is going away. But more businesses are asking whether one group plan is still the right fit.

Our new article breaks it down in plain English:

✅ What ICHRA and QSEHRA are
✅ How they compare to a traditional group plan
✅ Questions to ask before making any changes
✅ What self-employed owners and 1099 workers should know

Read it here 👉 https://www.1099healthins.com/why-more-employers-are-moving-away-from-traditional-group-health-insurance/

Not sure what's right for your business? We'll help you compare your options.

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Health plan costs are climbing fast, and more employers are turning to HRAs. What it means for small-business owners and 1099 workers.