You don’t need to clock in at a nine-to-five job just to get decent health insurance. Whether you’re self-employed, a freelancer, or between jobs, you can absolutely get coverage without being tied to a company. The key is knowing where to look, what to compare, and how to avoid getting stuck with a plan that eats up your savings but doesn’t cover what you need.
That’s where Health Insurance Consulting steps in. Thomas Andrews and his team specialize in helping people under 65—especially those without access to employer benefits—get smart, affordable coverage they actually understand.
Let’s break down your options and what you should know.
You Don’t Need a Company to Get Covered
Gone are the days when company-sponsored insurance was the only game in town. Today, you’ve got several paths to explore:
- Marketplace plans under the Affordable Care Act (ACA)
- Private insurance plans
- Health-sharing ministries (though not technically insurance)
- COBRA (for recently unemployed folks)
- Medicaid, if you qualify based on income
Each option comes with pros, cons, and different price tags. What matters most is figuring out what fits your health needs and your budget.
Marketplace Plans: Government-Supported Options
Marketplace plans, also known as ACA or Obamacare plans, are available through Healthcare.gov. They’re designed for individuals who aren’t covered by an employer or government program.
These plans:
- Can’t deny you based on pre-existing conditions
- Include essential benefits like preventive care, maternity, and prescriptions
- Often come with subsidies based on your income
If you’re a gig worker, contractor, or running your own show, this could be a great place to start. But it can be overwhelming to navigate on your own. That’s where working with a Healthcare Insurance Consultant in Illinois can save you time, confusion, and money.
Private Plans: Custom Coverage That Fills the Gaps
Private health insurance offers a wider range of choices. These plans are often more flexible, with broader provider networks and added perks. You might even save money if you’re healthy and rarely go to the doctor.
But buyer beware: not all private plans are created equal. Some skimp on coverage or come with high out-of-pocket costs. A Healthcare Insurance Consultant in Illinois can help compare private plans side by side with ACA options so you don’t end up underinsured—or paying too much for things you don’t need.
Self-Employed or 1099? You’ve Got Choices
Being self-employed doesn’t mean you’re out of luck. You can still get great coverage that includes everything from doctor visits and specialist care to hospital stays and mental health services.
Many people in this boat find better deals through private markets than on Healthcare.gov. But it depends on your income, family size, and health history. That’s why having someone like Thomas Andrews in your corner makes all the difference.
Health Insurance Isn’t One-Size-Fits-All
Health insurance is personal. What works for your friend might not work for you. Your age, location, income, and health needs all affect your options.
That’s why working with a Healthcare Insurance Consultant in Illinois is more than just a smart move—it’s a time-saver and often a money-saver, too. You get customized advice, free cost comparisons, and no sales pressure. Just clear answers and a plan that actually fits your life.
What About Dental, Vision, or Critical Illness?
Most ACA and private plans don’t include dental or vision for adults. And if something serious happens—like a cancer diagnosis or stroke—those medical bills can go way beyond what your standard insurance covers.
That’s why it’s smart to consider supplemental coverage. Health Insurance Consulting can show you affordable add-on plans that cover:
- Dental cleanings, fillings, and oral surgery
- Eye exams, glasses, and contacts
- Critical illness and accident coverage
These extras can be life-changing during emergencies, and they don’t have to cost a fortune.
FAQs
- Can I get health insurance if I’m unemployed?
Yes. You can apply for a Marketplace plan, check if you qualify for Medicaid, or explore short-term private options.
- Do I have to wait for open enrollment?
Not always. Life events like job loss, moving, or turning 26 can trigger a special enrollment period.
- Is working with a health insurance consultant expensive?
Nope. At Health Insurance Consulting, all consultations and plan comparisons are free of charge.
Why Work With Health Insurance Consulting?
Here’s the deal: Health Insurance Consulting isn’t trying to sell you a plan. Thomas Andrews and his team are here to help you understand your choices—plain and simple. They’ve helped thousands of people just like you make smart decisions about health coverage, especially those under 65 with no employer coverage.
They specialize in helping:
- Small business owners
- 1099 contractors
- Traveling nurses
- Truckers
- Freelancers
- Early retirees
And yes, they work with folks all across the country—including Illinois. If you’re not sure where to begin, a quick chat with a Healthcare Insurance Consultant in Illinois can help you cut through the noise and find what actually works.
Final Thoughts
You don’t need a traditional job to get top-notch health insurance. Whether you’re self-employed, hustling in the gig economy, or just exploring your options, help is out there. You just need the right guidance.
Let Health Insurance Consulting take the guesswork out of the process. With free cost comparisons, personalized support, and real people who listen, you’re never alone in figuring this out. Connect with a Healthcare Insurance Consultant in Illinois today and see what kind of coverage you truly qualify for—without the stress and without the corporate strings attached.
