Health insurance for self-employed Texans
You run your business. Let’s simplify your coverage.
Work may be independent. Choosing health coverage does not have to be. Explore options for freelancers, contractors and people building a business of their own.
MAKE ROOM FOR THE RIGHT QUESTIONS
Start with what matters to you.
- Replacing benefits from a former employer
- Planning for both premiums and out-of-pocket costs
- Balancing your own coverage with your family’s needs
Who this conversation is for
Freelancers, independent contractors, sole proprietors and 1099 professionals looking for an understandable comparison.
Individual and family plans
Review available private, medically underwritten products. ACA Marketplace policies are handled through licensed referral partners, not directly issued or serviced by Steven Rybacki.
Coverage through a transition
Compare timing and plan terms when moving from employment into self-employment.
A sustainable budget
Look at deductibles, cost-sharing and covered care alongside the monthly premium.
LESS GUESSWORK. MORE CLARITY.
Let’s take it one step at a time.
Tell us what you need.
Complete the questionnaire, one question at a time, to prepare for your consultation.
Book your coverage review.
After submitting the questionnaire, use the scheduling link on the thank-you page to choose a time.
Review coverage and referral options.
We will discuss available private products, networks, benefits and costs. Marketplace policies are handled through licensed referral partners.
Completing the intake starts a conversation. It does not enroll you in insurance or establish coverage.
What options exist for self-employed people?
Individual and family plans may be worth reviewing when you work for yourself. Compare year-round costs, networks and benefits rather than premium alone. Business structure and eligibility affect whether group options are available.
What is the difference between private and Marketplace coverage?
Marketplace plans are offered by private insurers through a public enrollment platform. “Private coverage” can also mean plans purchased outside that platform. Compare the actual policy: benefits, exclusions, network and eligibility matter more than the label. Financial assistance is subject to Marketplace rules.
Read the official HealthCare.gov guidanceCan I obtain coverage outside open enrollment?
A qualifying life change may make a Marketplace Special Enrollment Period available. Timing, documentation and eligibility depend on the event. Other products have their own enrollment rules. Contact us promptly to review the options.
Read the official HealthCare.gov guidanceCLIENT PERSPECTIVE
Time for your questions.
Steve was great to work with. He was very knowledgeable and patient with all of my questions.
Individual experiences vary and do not guarantee future results, eligibility or savings. This excerpt preserves the reviewer’s original wording. No independent rating or review count is claimed.
YOUR NEXT CHAPTER STARTS WITH A CONVERSATION
Let’s find the coverage path
that fits your life.
No pressure. Just real options.
