What if I'm Self-Employed?
How does the Affordable Care Act affect businesses of one?
If you have a business of one, then you are Self-Employed, not "an employer", under the Affordable Care Act. You would not be able to get a group health insurance plan for your business, but you would be able to get a low-cost individual or family plan. You could even qualify for reduced premiums or lower out-of-pocket expenses based on your household income and family size.
How are health plans changing to help me?
Starting in 2014, no health insurance company can turn you away or charge you more for pre-existing conditions, health history, claims, gender or profession.
Pre-existing conditions and pregnancy are always covered.
Insurance companies must pay 80 cents of every premium dollar back on healthcare, not administrative costs.
Insurance companies are limited on how much more they can charge older adults compared to younger adults for the same plan, making older adults premiums more reseasonable.
Many will qualify for lower rates based on household income and family size. Try our Subsidy Calculator to see if you qualify for lower rates under the new law.