Being self-employed, or owning a small business means that you have to source health insurance coverage by yourself. Doing so can be quite daunting as there are a number of terms, validity periods and other issues to wade through. The good thing is that when you choose self-employed insurance, you are choosing coverage that is extremely flexible. Imagine having coverage that can be adjusted to your income levels. Not only that, you do get subsidies to lower your overall costs.

Benefits of Massachusetts Self-Employed Health Insurance.

  • Considering you would be paying the premium and receiving the benefits, you are eligible for high deductible and low cost comprehensive plans like PPOs.
  • Individuals that get self-employed insurance for themselves and their families are eligible for tax deductibility. This means they are able to deduct 100% of their premium
  • Being self-employed also means that you can be eligible for a group plan. And being part of a group plan means that you can pay for insurance coverage using pre-tax dollars. This has the benefit of significantly reducing your contribution amount once the year ends.
  • If you are a small business owner, you might be eligible for tax credit, which can help reduce the cost of your employees’ premiums. 

Who Gets Massachusetts Self-Employed Health Insurance?

If you are self-employed and run a business, you are also not left out. All you have to do is register as a small business and use the  SHOP exchange to get a policy that is made just for you.

Companies That Offer Self-Employed Health Insurance In Massachusetts

  • Harvard Pilgrim Health Care
  • Blue Cross Blue Shield of Massachusetts
  • Health New England
  • Tufts Health Plan

Types of Self-Employed Health Insurance Plans

  • Group of One Health Insurance Plan suited for independent contractors, and self-employed individuals.
  • Group Health Insurance Plans for small businesses that have more than 2 full time workers and less than 50.

Both plans have the capability to provide coverage for dependents.

To be self-employed means to choose your own destiny, be free to forge your path. Your health insurance coverage should also offer you freedom. This is why self-employed health insurance exists. However, as with all things health insurance, finding the right plan for yourself can be arduous. That's where Very Good Coverage comes in. All you have to do is fill out the required information plus your health insurance preferences and we at Very Good Coverage can give you a quote for a plan that best suits you!


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