Health insurance for self-employed
If you work alone or have employees, you have self-employed health insurance options.
Health plans
Health plans to explore
How do you stay covered with health insurance if you own a business or do independent consulting or freelancing?
Follow these insurance guidelines to make sure you and your family have a health plan.
Choosing a plan
How to choose between an individual or small group plan
Individual and family plans
Individual and family plans can cover you alone or you and your family members.
An individual/family health insurance plan is the right option if you meet these circumstances:
- You are a sole proprietor, owner or partner of a small business and
- You do not have any eligible employees who work for you
Small group plans
In order to qualify as a small group, a business needs to have at least one eligible employee, which does not include a sole proprietor, owner or partner.
Small group health insurance is the right option if you meet various eligibility requirements, such as:
- Your business is headquartered and actively engaged in business in Minnesota
- You employ at least one eligible employee and fewer than 51 full-time equivalent employees (the employee must meet the definition of a common law employee or a bona fide partner)
- At least one eligible employee will be enrolled in the group plan
- You will offer coverage to all eligible employees who meet the plan requirements
Enrollment
When to enroll in a self-employed plan
Individual and family plans
You can enroll in individual and family insurance plans during the annual open enrollment period. However, if you became self-employed within 60 days of losing coverage due to job loss, you may qualify for a special enrollment.
Small group plans
You can enroll in small group plans throughout the year.
Support
What to consider when choosing a plan
The most important things to consider when choosing a health plan include:
- The provider and pharmacy networks
- Your anticipated medical needs
- Your prescriptions
- The plan costs
Advantages of small group plans include tax savings, as well as the ability to attract and retain employees.
Get help
If you have questions or need enrollment help, you have several options:
Call 1-844-731-0755, TTY 711 to speak to a sales associate.
Contact your agent or find an agent