Health Insurance Solutions for Entrepreneurs, Freelancers, and Independent Contractors
Being self-employed gives you freedom and flexibility, but it also means you’re on your own when it comes to health insurance. Without an employer offering a group plan, finding reliable and affordable coverage can feel like navigating a system that wasn’t built for you.
At PHX Insurance Advisors, we specialize in helping self-employed professionals across Arizona find health insurance plans that provide real protection without overcomplicating the process or breaking the budget.
Most health insurance in the United States is tied to employer-sponsored group plans. When you work for yourself, you lose access to that system, along with the group rates, employer contributions, and HR departments that handle enrollment.
Self-employed professionals face a unique set of challenges:
We handle the research and comparison work so you can focus on running your business.
Our self-employed clients come from a wide range of industries and backgrounds:
Regardless of your industry, the goal is the same: find coverage that protects your health and finances without adding unnecessary complexity to your life.
We help self-employed individuals compare several types of coverage to find the best fit:
Private plans purchased directly from carriers often offer broader networks, fewer restrictions, and more flexibility than marketplace options. PPO plans allow you to see specialists without referrals and access out-of-network care when needed.
Depending on your adjusted gross income, you may qualify for premium tax credits that significantly reduce the cost of marketplace plans. We help you determine eligibility and compare marketplace options against private alternatives.
Self-employed professionals who are generally healthy may benefit from higher-deductible plans with lower monthly premiums. Paired with a Health Savings Account, these plans can provide meaningful tax advantages while keeping monthly costs manageable.
If your work takes you across state lines or you travel frequently, plans with nationwide provider networks ensure you have access to care wherever business takes you.
Many self-employed professionals add supplemental plans, such as accident insurance, critical illness coverage, or disability protection, to fill gaps that a standard health plan may not cover. When your income depends on your ability to work, these additional layers of protection matter.
One benefit many self-employed individuals overlook is the ability to deduct health insurance premiums from their taxable income. If you’re a sole proprietor, partner, or LLC member, you may be eligible to deduct 100% of your health insurance premiums, including coverage for your spouse and dependents.
This deduction is taken on your personal tax return and can meaningfully reduce your overall tax burden. While we always recommend consulting with a tax professional for specific guidance, understanding this benefit is important when evaluating the true cost of your health insurance options.
Our process is straightforward:
We learn about your income range, healthcare needs, provider preferences, and budget priorities
We evaluate private plans, marketplace options, and supplemental coverage side by side
We break down premiums, deductibles, networks, and out-of-pocket costs in plain language
Once you've chosen a plan, we handle the enrollment process
If your situation changes, you have questions, or you want to re-evaluate your coverage, we're always here
Being self-employed means you’ve already decided to bet on yourself. Your health insurance should support that decision, not complicate it. We help self-employed professionals across Arizona find coverage that provides peace of mind, real protection, and the flexibility your work demands.
No cost, no obligation. Our advisors will compare plans from top carriers and find the best fit for you.
