📘 The Self-Employed Health Insurance Cheat Sheet (Latest Edition)

If you're self-employed, you already know: freedom comes with a price—especially when it comes to health insurance.

Between high premiums, confusing websites, and limited options, it often feels like the system wasn’t built for people like you.

👉 Self Employed Health Insurance Cheat Sheet

But here's the good news:

There are better options available — and most people don’t even know they exist.

❌ The Health Insurance Headache Most Self-Employed People Face

Whether you're a freelancer, gig worker, contractor, or business owner, you’re likely struggling with one (or more) of the following:

• 💰 Sky-high monthly premiums
• 🏥 Outrageous deductibles you’ll never hit
• 🌀 Confusing plan choices
• ❌ Networks that exclude your preferred doctors
• 🧍‍♂️ Feeling like you're all on your own

You're not alone. But you don’t have to settle for overpriced, underwhelming insurance coverage.

✅ What Most People Don’t Know (But Should)

As a licensed health insurance broker, I have access to private health insurance options that you won’t find on Healthcare.gov or MNsure.

These plans can offer:

• ✅ Lower premiums
• ✅ Nationwide PPO networks
• ✅ Lower deductibles
• ✅ $0 virtual doctor visits
• ✅ Rx coverage, urgent care, mental health & more

These aren't "junk" plans. They're real, legal options — and they’re specifically designed for the self-employed and healthy individuals who don’t qualify for large government subsidies.

🧭 What Should You Do Next?

Here’s your 3-step roadmap to smarter insurance:

1. Compare All Options (Public + Private)

Don’t assume the government marketplace is your only choice. In many cases, private options may save you thousands a year.

2. Work with a Licensed Broker (That’s Me!)

It costs you nothing to work with a broker. I help you compare plans, explain the fine print, and advocate for you if claims or billing issues ever come up.

3. Ask About These Key Perks:

• Tax-deductible premiums
• Plans with strong PPO networks
• Family and spouse coverage
• Short-term and gap coverage if you missed Open Enrollment
• 
  

🔐 Don’t Go Another Month Without Coverage

You’ve worked too hard to lose everything over one unexpected ER visit.

Health insurance isn’t just about compliance — it’s about protection, peace of mind, and access to care when you need it.

Let’s get you covered the smart way.

📞 Ready to See What You Qualify For?

✅ Click here to get a free, no-pressure quote

✅ Or schedule a time to talk with a licensed agent

At VitalShield Insurance, we’re here to help self-employed Americans protect their income, health, and future.