Health Insurance FAQs

As a self-employed person or 1099 contractor, you can enroll in individual health plans through the Marketplace. Many people qualify for subsidies that lower monthly premiums. We specialize in helping self-employed workers find affordable, custom-fit coverage.

Most plans cover preventive care, doctor visits, hospital stays, emergency services, prescription drugs, mental health care, and more. Your exact benefits depend on the plan you choose.

Not usually. Dental coverage is separate from health insurance but can often be added as a standalone plan. We can help you compare options to find what fits best.

Plans can start as low as $10–$30 per month, depending on the coverage. Family plans are available too, and most include two cleanings per year at no extra cost.

Term life covers you for a specific period (like 10 or 20 years) and is more affordable. Whole life lasts your entire life and builds cash value over time. We can help you decide which one makes the most sense for your needs.

It depends on your income, debts, and family size. A common rule of thumb is 10–15 times your annual income, but we offer personalized guidance to help you choose the right amount.