You’re self-employed or 1099
Your subsidy runs on net income after business expenses, not gross.
Here’s what comes back
CoverageByCountyLicensed agent · usually replies the same day
Today
Hi! 77024. I’m 41, self-employed, wife and two kids.
Thanks! Checking every plan filed in Harris County for a family of four. Any doctors you need to keep?
Our pediatrician, and Houston Methodist if we can.
Got it. You’ll get the plans that include both, with monthly prices and the date they were checked.
every insurer in your county, side by side
your doctors and hospital, checked by hand
dated, because networks change mid-year
Get mineWhich one sounds like you?
Your family costs too much at work
Employers subsidize the employee, not the family. A plan of the family’s own often saves hundreds a month.
You earn too much for a subsidy
Above the subsidy line, only your age and ZIP set the marketplace price. There are other kinds of plans worth comparing.
Options above the line Blue Cross prices off the marketplace
You own a small business
Group plan or individual plans, plus the small-business tax credit most owners never claim.
You missed Open Enrollment
A job loss, marriage, new baby or move opens a 60-day window, and private plans enroll year-round.
You need a certain hospital covered
190 hospital systems, one page each, and how to check your exact plan.
How it works
Send your ZIP and age.
Age and county set the price of every plan, so that’s all it takes to start.
Every plan in your county gets checked.
Prices, networks and the doctors you name, with the date checked, because networks change during the year.
You get a short list and a straight answer.
If you have health conditions, the marketplace, where no one can be turned down, is usually the right route, and you’ll be told so.
When you can enroll
Nov 1
Open Enrollment opens
2027 plans and prices go live. The widest choice of the year.
Dec 15
Enroll by this date for January 1
The deadline for coverage that starts on New Year’s Day. Your state sets the final closing date.
Any day
After a life event
A job loss, marriage, new baby or move opens a 60-day window. Private plans enroll year-round.
What clients have said
“I got hit with a $17,000 medical claim and ended up paying $250 out of pocket. Daniel had put me in the right plan. He literally saved me.”
“Daniel found me first-class coverage for half the price I was quoted on the marketplace on my own. Same quality, half the cost.”
“My wife just had our baby and I needed coverage fast. Daniel got us enrolled the same week and saved us $200 a month.”
Carrier reviews
- Blue Cross Blue ShieldThe broadest footprint: 26 states and 1,764 counties in the dataset.
- Blue Cross Blue Shield off the marketplace2027 prices at every age, the deductibles, and when a private plan costs less.
- Ambetter20 states, 1,246 counties. Strong marketplace presence, narrower networks.
- UnitedHealthcare19 states, 988 counties. Mostly HMO and EPO designs.
- Oscar Health14 states. Tech-forward, EPO-heavy lineup.
- Molina Healthcare100% HMO, no PPO or EPO anywhere. Matters if you need out-of-network care.
- All carrier reviewsCigna, Humana and more, including who has actually exited the individual market.
Or look it up yourself
- Health insurance carriers by state: every major ACA carrier, reviewed state by state
- Guides by situation and profession: farmers, nurses, teachers, rideshare drivers, college students and more
- Health insurance after a life event: marriage, divorce, a new baby, job loss, turning 26
- Coverage by income level: what you pay and what subsidies you qualify for
- For business owners: LLC owners, S-corp owners, sole proprietors, contractors
- Compare plans by state: built from CMS Plan Year 2026 data
- Plan type guides: HMO, PPO, EPO and metal tiers explained
- The Self-Employed Health Insurance Index 2026: free county-level premium data
What people ask first
Does this cost anything?
No. Comparisons and enrollment help are free. The insurance company pays the agent’s commission, never you, and your premium is the same either way.
Will my information get sold?
No. It goes to one licensed agent, not a lead marketplace. You’ll get one call or text from (713) 575-9904.
Can I get coverage right now?
Often, yes. Private plans enroll year-round, and life events open the marketplace off-season. Most clients can start within days.
What if I have health conditions?
Then the ACA marketplace, where no one can be turned down, is usually the best route, and that’s what you’ll be told.
Your county, checked. Free.
Rather talk first? Call or text (713) 575-9904, or email contact@coveragebycounty.com.
No account. Never sold. Ages 18 to 64.