Who is considered self-employed?
Contractors, gig-platform drivers, freelancers, small business owners and people who don't receive health insurance through an employer. If that's you, you can explore the Obamacare Marketplace.
How your income is calculated
When you apply for coverage, an estimate of your net income for the year is used, that is, what you earn after business expenses. Since your income may vary, it's worth reviewing the estimate during the year and updating it if it changes significantly.
If you have tax questions about how to report or deduct premiums, consult an accountant or tax advisor.
What to review before choosing
- Monthly premium and total cost for the year: deductible, copays and out-of-pocket maximum.
- That your Florida doctors and hospitals are in the plan's network.
- Coverage for medications you use often.
- If your income fluctuates, how much margin you have for unexpected payments.
When you can enroll
Normally during Open Enrollment or, if you have a qualifying life event, during a Special Enrollment Period.
See enrollment dates and optionsWe help you compare
At Marseguros USA we guide self-employed workers and small businesses in Florida, in Spanish and at no cost.
See health insurance in FloridaNotice: This article is informational and does not constitute legal or tax advice. Eligibility, plan availability and subsidies depend on your information, your state of residence and current Marketplace rules. Marseguros USA is not a government agency.
