Health Insurance for 1099 Employees - You Deserve Real Coverage Too
1099 workers are not employees - but you still need quality health coverage. Life, Health & Family Insurance private plans with locked rates and first-dollar coverage fill the gap.
Finding the Right health insurance for 1099 employees for 1099 workers
Health insurance for 1099 employees is a growing need as more Americans work as independent contractors, gig workers, and freelancers. Unlike W-2 employees, 1099 workers receive no employer-sponsored health benefits - leaving them to navigate the insurance market alone. Life, Health & Family Insurance offers 1099 workers private health plans with rates locked until age 65 and first-dollar coverage that ensures your benefits work from day one, not after a $5,000 deductible.
Why Choose a Life, Health & Family Insurance Plan?
- Individual health plans for 1099 workers with no employer
- Rates locked until age 65 - no annual ACA-style increases
- First-dollar Association Membership coverage - no deductible before benefits start
- Premiums generally tax-deductible for independent workers
- Family coverage options available
- Income Protector disability coverage for when you cannot work
First-Dollar Coverage. No Deductible Surprises.
Most health plans leave you paying a $3,000–$6,000 deductible before coverage kicks in. Through our Association Membership, your benefits start from dollar one - before you ever reach your deductible. Your rates stay locked until age 65 with no annual increases.
Learn How It WorksA Local Agent Who Understands Your Situation
Kirk Surber specializes in helping independent workers - 1099 contractors, freelancers, gig workers, and sole proprietors - find health coverage that actually works. He offers free video consultations so you can get expert guidance on your schedule, wherever you are in Texas.
Based in Montgomery, TX and serving clients across Conroe, Willis, Magnolia, Spring, Houston, and all of Texas - Kirk offers free, no-pressure consultations via video so you can get answers from wherever you are.
Frequently Asked Questions About health insurance for 1099 employees
Do 1099 employees get health insurance?
1099 workers are classified as independent contractors, not employees, so they do not receive employer-sponsored health benefits. They must purchase their own coverage - and Life, Health & Family Insurance private plans are an excellent option.
What is the best health insurance for 1099 workers?
Life, Health & Family Insurance plans offer 1099 workers rate stability locked until age 65, first-dollar coverage, and private plan flexibility that ACA marketplace plans do not provide.
Can 1099 workers deduct health insurance?
Yes. 1099 workers who are self-employed can generally deduct health insurance premiums as a business expense. Consult your tax advisor for your specific situation.
What happens if a 1099 worker gets sick and cannot work?
The Income Protector supplemental plan provides short-term disability income replacement for 1099 workers who cannot work due to illness or injury - a critical safety net for independent workers.
Get Health Coverage Built for 1099 Workers.
A free, no-pressure conversation is all it takes. Kirk will listen to your situation and help you find coverage that actually works - at a rate that stays locked until age 65.