Health Insurance for Self-Employed Coloradans
Self-employed Coloradans usually buy an individual or family plan through Connect for Health Colorado or directly from a carrier. Premium tax credits are based on estimated net self-employment income, and many self-employed people can also deduct health insurance premiums on their federal taxes. Mile High Health Brokers in Westminster can help you compare options and prepare for enrollment.
Where should you start?
If you are self-employed without employees, you can often secure coverage through Connect for Health Colorado, our state's health insurance Marketplace. Being self-employed does not require a special or hidden insurance product; it simply means choosing an individual and family plan. Your eligibility for financial help and Marketplace savings is determined primarily by your household size and total annual income.
How much does self-employed health insurance cost?
There's no single price. Your premium depends on your age, your county, who's on the plan and the plan level you pick. For most self-employed people, the bigger factor is the premium tax credit, which can lower your monthly cost a lot.
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Fluctuating income is common when you work for yourself. To estimate your Marketplace savings, use your expected annual net self-employment income (profit after expenses) together with other applicable household income. Remember, business revenue is not net income. Update your Marketplace application if your estimate changes. Ask your tax professional about deductible business expenses. Colorado carriers asked for an average increase of about 11% for 2027, so compare before you renew. Tell us your expected income and we'll show you real numbers. Get a free quote.
Compare more than the monthly payment
Provider Networks
Verify if your exact doctors and hospitals are in the network.
Prescription Coverage
Check the formulary for your current medications.
Total Costs
Consider routine care vs major-event costs and services covered before the deductible.
Travel & Portability
Ensure you have coverage while traveling outside of Colorado.
Note: Always ask for full plan documents. An insurer name alone does not answer these specific questions about your benefits.
Prepare for your coverage review
- To make the most of our consultation, have these details ready: ZIP code and household size, expected annual income and desired start date, current coverage end date, and a list of your standard doctors and prescriptions.
Frequently Asked Questions
Can I enroll whenever I start freelancing?
Starting a business alone does not necessarily create a special enrollment opportunity. Losing job-based health insurance may qualify. Review your coverage end date promptly.
Can I deduct premiums?
Many self-employed people can deduct premiums through the self-employed health insurance deduction. Confirm with your tax professional, since eligibility rules apply.