Health Insurance for Self-Employed Individuals - Real Coverage, Locked Rates
You built your own income. Protect it with private health insurance that does not increase every year. Life, Health & Family Insurance plans with first-dollar coverage for the self-employed.
Finding the Right health insurance for self-employed for self-employed individuals
Health insurance for self-employed individuals is one of the most overlooked and misunderstood areas of personal finance. When you work for yourself, you are responsible for 100% of your premium - and every year, ACA marketplace plans raise those rates with no ceiling. Life, Health & Family Insurance offers self-employed individuals a private alternative: plans with rates locked until age 65, first-dollar coverage, and the flexibility to build a plan around your actual life.
Why Choose a Life, Health & Family Insurance Plan?
- Rates locked until age 65 - stop absorbing annual ACA increases
- First-dollar Association Membership coverage - benefits before your deductible
- Private plans with more flexibility than ACA marketplace
- 100% of premiums generally tax-deductible for self-employed
- Individual and family coverage options
- Add dental, vision, disability income, and life insurance
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 ran his own businesses before becoming a licensed insurance agent - and he felt the exact frustration that self-employed people face with health insurance. He became a Life, Health & Family Insurance agent specifically to offer self-employed individuals a better option: plans that actually work, at rates that do not climb every year.
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 self-employed
What is the best health insurance for self-employed people?
Life, Health & Family Insurance private plans are an excellent option for self-employed individuals because they offer rate stability locked until age 65, first-dollar coverage, and flexible plan structures not available on the ACA marketplace.
How much does health insurance cost for self-employed people?
Costs vary by age, coverage level, and plan type. The key advantage of Life, Health & Family Insurance plans is that your rate is locked at enrollment - it will not increase annually like ACA plans.
Can I deduct health insurance as a self-employed person?
Yes. Self-employed individuals can generally deduct 100% of health insurance premiums as an above-the-line deduction. Consult your tax advisor for your specific situation.
What is first-dollar coverage?
Association Membership is an association membership that layers first-dollar coverage onto your Life, Health & Family Insurance core plan. Your benefits start from the very first dollar of a claim - before you hit your deductible - eliminating the most common financial risk of high-deductible plans.
Let's Find the Right Coverage for Your Self-Employed Life.
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.