How to Choose the Best Health Insurance for the Self-Employed (Marketplace vs. Private Plans Compared)

by Coverage Babe | Apr 17, 2026 | Business Insurance

Self-employed individuals, 1099 contractors, and small business owners face unique challenges when securing health insurance. Unlike traditional employees who receive subsidized employer-sponsored coverage, those working for themselves must navigate a complex...

Fixed Indemnity Health Insurance Benefits Matter: How to Lower Your Family’s Monthly Costs Without Losing Protection

by Coverage Babe | Apr 17, 2026 | Business Insurance

Fixed indemnity health insurance is a type of coverage that pays a specified dollar amount for qualified medical services. Unlike traditional major medical insurance, which pays a percentage of costs after deductibles are met, fixed indemnity plans provide a set...

Do You Really Need a Marketplace Plan? Here’s the Truth for 1099 Workers and Independent Contractors

by Coverage Babe | Apr 17, 2026 | Business Insurance

Independent contractors and 1099 workers face unique challenges when securing health coverage. Unlike W-2 employees who often receive employer-sponsored benefits, self-employed individuals must navigate the complex landscape of the health insurance market...

The “Healthy Employee” Discount: How to secure cheaper group rates when your team is fit.

by Coverage Babe | Apr 17, 2026 | Business Insurance

Small business owners often face high premiums for health insurance. Traditional marketplace plans utilize community rating systems that do not differentiate between various health profiles. However, private group health insurance options offer a different approach....

7 Mistakes You’re Making with Health Insurance for Small Business Owners (and How to Fix Them)

by Coverage Babe | Apr 15, 2026 | Business Insurance

Small business owners frequently prioritize operational tasks over health insurance selection. This often leads to the selection of suboptimal plans that do not align with the business's financial goals or the employees' actual health needs. Identifying and...

The Entrepreneur’s Guide to Private Health Insurance Plans: How to Save More While Staying Healthy in 2026

by Coverage Babe | Apr 9, 2026 | Business Insurance

Entrepreneurs and self-employed individuals often face high costs when securing health insurance through traditional marketplaces. In 2026, private health insurance plans offer a viable alternative for healthy individuals seeking lower monthly premiums and greater...