OwnBossHealth explains health-coverage options for contractors, freelancers, small-business owners and 1099 workers in plain language, then connects you with a licensed advisor. We don't sell coverage, and we are not an insurance agency or carrier.
What happens next: a call with Ryan Michalek, a licensed advisor, and an honest comparison of your options.
Running your own business means shopping the individual market on your own. This is the plain version of what that actually involves.
Self-employed, 1099 and small-business households paying most or all of the premium themselves.
Contractors & trades Carpenters, electricians, plumbers and other trades running their own jobs, with no employer plan behind them.
Read the guide
Freelancers & consultants Designers, writers, consultants and other solo operators who bill clients instead of drawing a salary.
Read the guide
Gig & delivery work Drivers, couriers and app-based workers whose income moves from week to week.
Read the guide
Small-business owners Shop, café and salon owners covering themselves and their household on the individual market.
Read the guide
With an employer
Working for yourself
The monthly premium is the number everyone compares, and the one that tells you least about how a plan behaves when it is used.
What is available, and which hospitals sit inside it, is decided locally rather than nationally.
A renewal that climbed, a job you left, a birthday that ended a household member's coverage.
A spouse with an employer plan, or dependents, can change which direction makes sense.
Two plans can sit within a few dollars of each other and treat a hospital stay very differently.
A renewal that climbed, a job you left, a birthday that ended someone's coverage.
A short form about your situation, not a medical questionnaire.
Ryan Michalek takes it from there, including when the answer is to leave things alone.
OwnBossHealth is compensated for referrals it sends to its licensed partner. Disclosures
Ryan Michalek at Michalek Health Solutions is the licensed advisor OwnBossHealth refers readers to. He can tell you what applies to your household, including when the answer is to leave things alone.
Ryan Michalek
Michalek Health Solutions
Our licensed partner is five-star reviewed on Google. The rating is the partner’s own.
Both numbers are public records. Worth checking before you talk to anyone about coverage, this site included.
Straight answers about what OwnBossHealth is, what it is not, and what happens after the form.
Still have a question?
A licensed advisor can answer what applies to your household.
No. We are an independent information and referral resource, not an agency or carrier. We connect you with a licensed insurance advisor, Michalek Health Solutions (NPN 21043091).
No. OwnBossHealth does not charge you for the referral. OwnBossHealth is compensated for referrals it sends to its licensed partner. Anything involving actual coverage is handled by the licensed advisor.
If a subsidized marketplace plan still fits your household, that is usually the simpler route and healthcare.gov is the place to start. This is written for self-employed households paying most or all of the premium themselves.
No fee to you, and nothing here is a price or a promise.
