Self-Employed Health Insurance in Vinings, GA
Self-employed health insurance built for business owners, 1099 contractors, and independent professionals — flexible, group-style plans with nationwide provider access.
Group-Style Coverage Built for Modern Work
Self-employed plans provide flexible health coverage designed for individuals, families, and businesses of every size. Their purpose is to close the gap between traditional group insurance and the way people actually work today — a workforce that increasingly runs on contractors, consultants, and small teams.
Members choose a plan level and deductible, then pay one predictable monthly amount covering claims processing, customer service, and compliance reporting. Kast Insurance handles the comparison and the enrollment, and stays with you afterward.
- Nationwide PPO provider access
- Flexible deductibles and multiple plan levels
- Built for working owners and 1099 contractors
- One predictable monthly payment
- Prescription drug coverage on every plan
How Self-Employed Health Insurance Works
Understanding how these plans work helps you decide whether they are the right fit for your business.
1. Confirm Eligibility
We verify that you meet the working-owner or small-group definition before you apply, so your enrollment holds up on review.
2. Choose Your Plan Level
Select the deductible and plan level that match your budget and how often your household actually uses care.
3. Enroll Your Group
We handle the application and setup for you and for any employees or family members joining the plan.
4. One Monthly Payment
Consolidated billing replaces the administrative work of managing individual policies one at a time.
What These Plans Include
These plans cover major medical needs through a nationwide network, with some important differences from an individual marketplace plan.
Generally Included
- Doctor visits and consultations
- Hospital stays and surgery
- Emergency care
- Preventive care
- Prescription drugs, brand and generic
- Lab work and imaging
- Nationwide PPO provider access
Important Considerations
- Eligibility requires working-owner or group status
- Not an ACA marketplace plan — no premium tax credits
- Plan availability varies by state and group size
- Pre-existing conditions may be underwritten
- Terms governed by the plan documents issued at enrollment
This is a general overview. Contact us to review the complete plan documents before you enroll.
Self-Employed Plans vs. an Individual Plan
Self-employed coverage may be a good fit for small business owners, 1099 contractors, and independent professionals who want group-style benefits, nationwide provider access, and predictable monthly costs without running a benefits department.
It may not be the best option if you qualify for premium tax credits on the Georgia Access marketplace, or if you need the specific consumer protections of an ACA plan. Kast Insurance will always give you an honest comparison of all your options.
- Good fit for working owners and small teams
- Strong choice when your work crosses state lines
- Lower administrative burden than individual policies
- We'll compare these plans side-by-side with ACA plans for you
Self-Employed Coverage Questions & Answers
Yes. These are health plans offered through a group structure, not a health care sharing ministry. Unlike an ACA marketplace plan, eligibility depends on meeting the working-owner or small-group definition, and the plans are not eligible for premium tax credits.
Generally, a self-employed individual or business owner who works a minimum number of hours in the business and earns income from it. The specifics vary by state, so we confirm your eligibility before you enroll rather than after.
Cost depends on your plan level, deductible, location, and who is enrolling. Because it is not an exchange plan, pricing works differently from Georgia Access — we will quote both so you can compare real numbers side by side.
Usually. These plans use a nationwide PPO network, which is typically much broader than the local HMO and EPO networks common on individual marketplace plans. We will check your specific providers before you enroll.
Self-employed individuals may be able to deduct health premiums on their federal return when the plan meets IRS qualifying standards. Confirm the specifics with your tax professional.
Curious About Self-Employed Coverage?
Let us walk you through how it works and compare it with your other options – so you can make the most informed decision for your business.
Carriers We Represent
