How to Get Better Health Insurance if You’re Self-Employed with ACA Health Plans

Being self-employed gives you the freedom to work on your terms, but it can also present challenges, especially when it comes to securing affordable health insurance. Unlike employees who get coverage through their job, self-employed individuals need to navigate the health insurance market on their own. The good news is that the Affordable Care Act (ACA) offers self-employed workers excellent options for comprehensive and affordable health insurance.

In this blog, we'll explore how you can get better health insurance if you’re self-employed, and why an ACA health plan might be the right choice for you.

Why Choose ACA Health Plans?

ACA health plans, often referred to as "Obamacare," provide significant advantages for self-employed individuals. These plans are available through the health insurance Marketplace and come with several benefits that make them ideal for people who don’t receive employer-sponsored health insurance. Here’s why ACA plans stand out:

1. Comprehensive Coverage

ACA health plans cover the 10 essential health benefits required by law, including:

- Emergency services

- Prescription drugs

- Preventive and wellness services

- Mental health and substance abuse services

- Hospitalization and more

This comprehensive coverage ensures that you’re protected in case of medical emergencies, routine check-ups, and long-term treatments.

2. Guaranteed Coverage Regardless of Health History

If you’re self-employed, you don’t need to worry about being denied coverage due to pre-existing conditions. ACA health plans guarantee coverage for all, regardless of your medical history.

3. Subsidies to Lower Your Premiums

Many self-employed individuals qualify for premium tax credits and other subsidies, which can significantly reduce your monthly health insurance premiums. These subsidies are based on your household income and family size, making it easier for you to afford high-quality coverage.

4. Flexible Plan Options

The ACA Marketplace offers a variety of plan levels—Bronze, Silver, Gold, and Platinum—so you can choose a plan that matches your health needs and budget. Whether you want a lower monthly premium or more comprehensive coverage, there's a plan for you.

How to Get Better Health Insurance if You’re Self-Employed

Here are steps to help you secure the best ACA health plan for your needs:

1. Calculate Your Budget

As a self-employed individual, your income might fluctuate, so it’s important to calculate how much you can afford to spend on health insurance premiums each month. Keep in mind that ACA subsidies may lower your costs, so explore your subsidy options on the Marketplace.

2. Compare Plans on the ACA Marketplace

The ACA Marketplace makes it easy to compare plans side by side. At Aura Insure, we can help guide you through the process of reviewing available plans, considering factors like monthly premiums, deductibles, and out-of-pocket costs.

3. See If You Qualify for Subsidies

If your income falls between 100% and 400% of the Federal Poverty Level (FPL), you could qualify for premium tax credits. Use the Aura Insure platform to check if you’re eligible for financial assistance that can lower your health insurance costs.

4. Consider a Silver Plan for Extra Savings

If your income is below 250% of the FPL, you may also qualify for cost-sharing reductions that reduce your out-of-pocket expenses. These savings are only available with Silver-tier plans, so be sure to explore these options if you qualify.

5. Take Advantage of Special Enrollment Periods

Typically, you can only sign up for an ACA plan during the Open Enrollment Period, but if you’ve experienced a major life event—like moving, getting married, or losing previous coverage—you may be eligible for a Special Enrollment Period. Aura Insure can help you determine if you qualify and guide you through the enrollment process.

Why Aura Insure Is the Right Partner for Self-Employed Individuals

At Aura Insure, we understand the unique challenges faced by self-employed workers when it comes to health insurance. Our team is dedicated to helping you find the best ACA health plan for your situation. With our easy-to-use platform, you can:

- Compare plans and explore coverage options that fit your health needs and budget.

- Apply for subsidies to lower your monthly premiums and out-of-pocket costs.

- Receive personalized assistance throughout the enrollment process, ensuring you make the most informed decision.

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Ready to Secure Better Health Insurance?

If you’re self-employed and looking for better health insurance, let Aura Insure help you navigate the ACA Marketplace. Contact us today or visit our website to explore your options and find the perfect health plan for your needs. Get covered and enjoy peace of mind with comprehensive health insurance!