Real Coverage for
People Who Work for Themselves.
When you work for yourself, there's no HR department, no group plan, and no one to help you figure it out. That's exactly what Bruce does — comparing 200+ carriers to find you the best individual or family health coverage at the lowest price, so you can focus on your business.
You Don't Have an Employer Plan.
You Have Better Options.
Self-employed individuals — freelancers, contractors, sole proprietors, and small business owners — aren't stuck with whatever one employer happens to offer. You have access to the same individual and family health plans that millions of Americans use, often with more flexibility and more choices than any single employer plan provides.
The challenge is knowing where to look and what to compare. With 200+ carriers offering dozens of plan types at varying price points, navigating the market alone is overwhelming. Bruce does this comparison for you — for free — and presents you only the plans that genuinely fit your situation.
Coverage for Any Household
Individual plans, family plans, or plans that cover a spouse and children — Bruce finds the right fit for your whole household, not just you.
Fully Tax Deductible
Self-employed individuals can deduct 100% of health insurance premiums from their federal taxable income — a significant advantage that employed workers don't have.
Same Quality as Group Plans
Individual market plans include the same major carriers, the same networks, and the same coverage quality as large employer group plans — often at competitive prices when subsidies apply.
Six Things You Get That You Won't Find on Healthcare.gov
Going direct to a carrier or using a government marketplace limits your options. An independent broker unlocks far more — at no extra cost to you.
200+ Carriers Compared at Once
Bruce compares plans from over 200 health insurance carriers in a single search — far more than any marketplace or single insurer's website can show you. More options means better prices and better coverage.
Your Doctors Checked First
Before recommending any plan, Bruce verifies that your preferred doctors, specialists, and any ongoing prescriptions are covered in-network — so you don't discover a gap after you've enrolled.
ACA Subsidy Optimization
Many self-employed individuals qualify for Affordable Care Act subsidies that dramatically reduce monthly premiums. Bruce identifies your exact subsidy eligibility and factors it into every comparison.
Plain-Language Plan Explanations
Deductibles, coinsurance, out-of-pocket maximums, and networks explained in plain English — not insurance jargon. You understand exactly what you're buying before you commit to anything.
Enrollment Done for You
Bruce handles all the enrollment paperwork on your behalf. No confusing online portals, no forms to decipher. You review your chosen plan, confirm, and you're done.
Year-Round Agent Support
When a claim gets denied, a bill looks wrong, or it's time to review your plan at renewal, Bruce is your agent — not a call center. A real person who knows your plan and your situation.
Your Health Premiums Are 100% Tax Deductible.
One of the most valuable and underused benefits of self-employment: the IRS allows self-employed individuals to deduct the full cost of health insurance premiums — for yourself, your spouse, and your dependents — directly from your federal adjusted gross income. This deduction is available whether or not you itemize, and it can save thousands of dollars every year.
Every Plan Type Available to You.
Self-employed individuals have access to the full range of health plan options — the same ones available to large employers and their employees. The right choice depends on your doctors, your budget, how often you use healthcare, and whether you qualify for ACA subsidies.
Bruce walks you through the tradeoffs of each option and recommends the plan type that genuinely fits your situation — not the one with the highest commission.
Find My Best PlanPPO Plans — Most Flexibility
See any doctor or specialist without a referral, in or out of network. Best for those who want freedom of choice or already have preferred providers.
HMO Plans — Lower Premiums
A network-based plan with a primary care physician coordinating your care. Lower monthly premiums in exchange for staying in-network. Ideal for budget-conscious individuals who don't need specialist access.
ACA Marketplace Plans — Subsidy Eligible
If your income falls within ACA guidelines, marketplace plans can be dramatically subsidized — sometimes as low as $0/month for individuals. Bruce identifies your exact subsidy and factors it into the comparison.
HSA-Compatible Plans — Triple Tax Savings
High-deductible plans paired with a Health Savings Account let you pay for medical expenses with pre-tax dollars and invest unused funds tax-free — a powerful combination for healthy, high-income self-employed individuals.
EPO Plans — Network Savings
Exclusive Provider Organization plans offer lower premiums than PPOs while maintaining a broad in-network list — a strong middle ground for those who don't need out-of-network coverage.
If Any of These Sound Like You, Bruce Can Help.
Self-employment covers a wide range of working arrangements — and each has its own health insurance situation. Bruce works with all of them.
Freelancers & Contractors
Writers, designers, developers, consultants — anyone who left a W-2 job and lost employer coverage. Bruce finds individual plans that match or beat what you had before.
Sole Proprietors
Running your own business with no employees means you're shopping for individual coverage. Bruce finds the right balance of premium, deductible, and network for your income level and usage.
Self-Employed Families
Covering a spouse and children under an individual plan requires careful comparison. Bruce checks that every family member's doctors and prescriptions are covered before making a recommendation.
Side-Gig Workers Going Full-Time
Transitioning from part-time self-employment to full-time means losing employer coverage or COBRA. Bruce helps you plan the transition and get covered before any gap occurs.
Getting Covered Is Simpler Than You Think.
From first call to active coverage — Bruce handles every step. Most clients go from initial call to enrolled coverage in under a week.
Free Consultation
A quick call to understand your situation — income, family size, doctors you want to keep, prescriptions, and budget.
Full Market Comparison
Bruce compares plans across 200+ carriers including ACA marketplace options, off-marketplace plans, and any subsidy you qualify for.
Your Plan, Clearly Explained
Bruce presents the best matches in plain English — what's covered, what you'll pay, and what to expect. No pressure, just information.
Enrolled & Protected
Bruce handles all enrollment paperwork. You're notified when coverage is active — then he stays as your agent for every claim and renewal.
Self-Employed Health Insurance FAQs
The questions people ask most before getting covered on their own.
Coverage That Fits Your Work — and Your Life.
Tell Bruce about your situation and he'll compare the full market — 200+ carriers, ACA options, and any subsidies you qualify for — to find the plan that genuinely fits. Most quotes delivered within 24 hours.
- 200+ health carriers compared on your behalf — completely free
- ACA subsidy eligibility checked and factored into every quote
- Your doctors and prescriptions verified in-network before recommending
- Bruce handles all enrollment paperwork — no confusing portals
- Licensed in 30+ states — serving self-employed clients nationwide
Get My Free Health Insurance Quote
Bruce will compare the full market and follow up within one business day.
🔒 Completely confidential. Your information is never sold or shared.