When you work for yourself, nobody hands you benefits — but your income determines your subsidy, and your premiums may be deductible. We help 1099 earners turn both to their advantage.
Health Enrollment Center is operated by Sprinter Insurance Agency LLC. We are not HealthCare.gov or any government marketplace.
As a self-employed person your income is what determines your ACA premium tax credit — and you often have more control over your Modified Adjusted Gross Income than a W-2 employee does. Structuring income and deductions well can meaningfully lower what you pay for a marketplace plan.
Self-employed health insurance premiums are frequently deductible above the line on your federal return (the self-employed health insurance deduction), effectively discounting your coverage again at tax time. Pairing an HSA-eligible high-deductible plan with an HSA is a common strategy for 1099 earners who want to shelter income and build a medical nest egg.
We compare marketplace plans (with subsidies) against private off-marketplace plans side by side, so you can weigh network breadth against price without guessing. This isn't tax advice — but we'll flag what to ask your accountant.
Don't see yours? Call a licensed agent — most answers take under two minutes.
Often, yes — the self-employed health insurance deduction lets many 1099 earners deduct their premiums. We're not tax advisors, so confirm the specifics with your accountant, but we'll help you pick a plan that fits the strategy.
You estimate your expected annual Modified Adjusted Gross Income for the year. If it changes, you can update it, and any difference is reconciled at tax time. A licensed agent helps you estimate realistically to avoid surprises.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.