Self-Employed individuals can seamlessly purchase health insurance at inexpensive rates. You can get the benefits of more expensive group plans in individual personal plans. However, you have to shop around a bit. 

Independent contractors and sole proprietors are classified as self-employed by the State of Indiana, so they are eligible for several benefits, including no lifetime caps on medical claims.

Considering that self-employed individuals such as freelancers, consultants, and small business owners pay for their own coverage, it can be quite challenging to get the best health insurance plan. 

The good news is that self-employed health insurance comes with flexible coverage, and for small business owners with workers, employee contributions can vary, as they are dependent on the plan in question.

A benefit of this type of health insurance is that such plans come with a probable tax deduction on your AGI or adjusted gross income.

If you are just starting out on your self-employment journey or looking to hire a full-time employee, know that you can save money thanks to the self-employed health insurance plan.

You can also get coverage for your spouses and dependents, so nobody is left without legally mandated health insurance.

If you have employees, typically workers with the income you report on a W2 at year’s end, you are considered an employer. In this case, you will have to buy health insurance for yourself and your employees using the SHOP Marketplace. 

Types of Small Business Health Insurance Plans

  1. PPO Health Insurance Plans,
  2. HMO Health Insurance Plans,
  3. HSA-Qualified Health Insurance Plans
  4. Indemnity Health Insurance Plans.

Benefits of Self-Employed Health Insurance In Indiana

  • Monthly premiums can be a deductible line item in tax returns
  • Flexible enough to change income levels
  • Access to subsidies to help with coverage costs

Health Insurance Companies In Indiana

  • Anthem BCBS
  • Celtic
  • MDWise
  • Indiana University Health Plans
  • CareSource Indiana
  • Ambetter from MHS 
  • UnitedHealthcare 

How We Help

Very Good Coverage helps you find the best prices and benefits when researching self-employed health insurance policies. We understand that self-employed individuals need quality healthcare benefits at prices that don’t hurt their pockets. 

We also understand that coverage flexibility for you and any prospective employees is necessary. That’s why we have taken the guesswork out of health insurance shopping. All you need to do is fill out the form with your preferences, and you get a quote that matches your health insurance needs.


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