Health Insurance Options for the Self-Employed

There’s no one-size-fits-all plan for independent professionals. At Mantua Insurance Group, we help self-employed individuals explore a range of coverage options to match their health needs, income, and budget.

✅ Marketplace Plans (ACA-Compliant)

Offered through the federal or state Health Insurance Marketplace Eligible for income-based subsidies Covers essential benefits including doctor visits, hospital care, prescriptions, preventive services, and more

✅ Private Individual Plans

Available year-round in many cases Greater flexibility beyond standard ACA plans May offer lower premiums if you're in good health

✅ Health Sharing Plans

Community or faith-based cost-sharing programs Not considered insurance under the ACA Can be a low-cost alternative, but coverage is limited and not guaranteed

✅ Short-Term Health Insurance

Temporary coverage for gaps between plans or during transitions Lower premiums than traditional plans Limited benefits and not intended for long-term use

✅ HSA-Compatible Plans

High-deductible health plans that qualify for Health Savings Accounts Save pre-tax dollars to pay for medical expenses A smart option for tax-conscious self-employed individuals