Health Insurance for Contractors

Contractors and tradespeople are usually self-employed or working project to project, which means there's no employer health plan waiting in the background. Coverage is something you have to actively put in place yourself.

Why coverage often looks different for contractors

• Most contractors are self-employed or 1099, with income that varies by project.
• Physical job site risk makes injury protection worth a closer look.
• Coverage needs to be portable, since work isn't tied to one employer or location.
• Project based income can complicate marketplace subsidy calculations.

What we typically help with

• Self-employed and independent contractor health coverage options
• Accident coverage for job site injury risk
• Critical illness or hospital indemnity as additional financial protection
• Short-term medical coverage between projects, where available

We'll help you put together coverage that travels with you from job site to job site, not tied to any single employer.