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What if I am self-employed?


When the provision of the Affordable Care Act (ACA), go into effect on January 1, 2014 it will be the beginning of big changes for the self-employed. Prior to the ACA many self-employed people depended on the insurance of a spouse whose employer provided family coverage.  Others who did not have that option carried only major medical coverage or went without health insurance all together. Getting health insurance was particularly difficult for self-employed people with pre-existing conditions.


As a result of the ACA ‘s individual mandate provision, after January of 2014, people that do not have the minimum level of coverage or qualify for an exemption will be liable to pay a penalty to the IRS. The penalty for 2014 is up to $95 per adult and $47.50 per child or 1% of family income whichever is greater. Self-employed people can buy health insurance through an agent, broker or online. The federal government has set up a health insurance Marketplace at  Once you enter the exchange you will be directed to the insurance exchange for the state that you live in.  Navigating the exchange and enrolling for insurance coverage is a four step procedure.


  1. Create an account
  2. Enter financial information to determine if you are eligible for a tax credit or other financial aid.
  3. Review the various plans: Carefully examine the different plans and coverage’s.  There are four levels of coverage Bronze which pays for 60% of covered benefits, Silver which pays for 70% of covered benefits, Gold which pays for 80% of covered benefits, and Platinum which pays for 90% of covered benefits.  Determine the premium, deductible, and out of pocket expense that best suits your needs.
  4. Once you are sure about the best insurance package for your needs, you can enroll.
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