Self-employed health insurance

When you’re self-employed, your time can feel stretched. Choosing a health plan is simpler with UnitedHealthcare, so it won’t take up a lot of your time. With a large network of providers and easy-to-use tools and resources, you can quickly sort through the details and find a plan that works for you. 

If you’re self-employed and have no employees, take a look at individual plans underwritten by Golden Rule Insurance Company, a UnitedHealthcare company. Options include short term plans1 that offer coverage for 1 to nearly 12 months in some states,2 TriTerm Medical health insurance that offers coverage lasting nearly 3 yearsand more.

Looking for Health Insurance Marketplace coverage from UnitedHealthcare?

UnitedHealthcare Exchange plans offer a variety of affordable, reliable coverage options. You can find plans available in your area at UnitedHealthcare Exchange plans or you can call 1-800-806-0451 TTY 711.

If you’re looking for ACA plans in New York or Massachusetts, visit Healthcare.gov or call 1-844-joinUHC to learn about plans available near you.

Save money on your self-employed benefits

The Affordable Care Act now allows a self-employed health insurance deduction on premiums of 100%, meaning that you can reduce your adjusted gross income by the total amount of health insurance premiums you pay in a calendar year.

Health insurance for small business

If you are self-employed but have employees working for you, whether it is a small staff or team of up to 99, you are considered a small business. Choose from a great set of options, made to work for your small business.

Footnotes

  1. Short term health insurance plans are medically underwritten and do not provide coverage for preexisting conditions. TriTerm Medical plans cover eligible expenses for preexisting conditions after 12 months on the plan.
  2. Term lengths vary by state.
  3. The coverage term is one day less than 3 years. In SC, plans are three 11-month terms. In IN and OK, plans are three 364-day terms. This coverage does not qualify as "Minimum Essential Coverage" as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. And, while enforcement of the federal tax penalty is not occurring in 2021, some states may impose a tax penalty if you do not have MEC coverage.

Disclaimers

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

No individual applying for health coverage through the individual marketplace will be discouraged from applying for benefits, turned down for coverage or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

Dental and Vision products are administrated by related companies. Each company is a separate entity and is not responsible for another's financial or contractual obligations.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

Each company is a separate entity and is not responsible for another's financial or contractual obligations.

Administrative services provided by United HealthCare Services, Inc. or their affiliates.

Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc.

These policies have exclusions,limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company whichever is applicable.