Health Insurance for Gig Workers

Whether you're driving, delivering, or working through a handful of different apps, gig work almost always means independent contractor status, and no employer benefits, no matter how many hours you put in.

Why coverage often looks different for gig workers

• Gig platforms generally classify workers as independent contractors, not employees, so there's no employer plan.
• Income often comes from multiple platforms and can vary week to week.
• Time spent driving or on the road may carry its own injury risk considerations.
• It's common to assume coverage isn't affordable without ever actually checking subsidy eligibility.

What we typically help with

• Individual marketplace plans, factoring in subsidy eligibility based on real gig income
• Accident coverage, particularly relevant for delivery and rideshare work
• Short-term medical options if you're between more stable coverage
• Dental and vision as an affordable add-on

We'll help you figure out real numbers based on your actual gig income, rather than assuming coverage is out of reach.