No employer benefits, no HR department, no problem.

Insurance Solutions for Independent Contractors

Independent contractors often don’t have employer benefits or predictable income. We help you compare health, life, and supplemental coverage in plain English, with ongoing support after you enroll. Independent brokerage, multiple carriers, no obligation.

  • Paying too much and still unsure what you actually have?
  • Plan changed and your doctor is now out of network?
  • One injury away from your income stopping?

How Can We Help?

Quickly let us know how we can help.

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Built Around 1099 Life

You Sell Certainty. Your Coverage Should Feel Certain Too.

Independent contractors juggle variable income, client demands, and family responsibilities. Without employer benefits, it is easy to overpay, pick the wrong plan, or leave gaps that get expensive later. We help you build coverage that matches how you actually work.

  • Clear plan comparisons across premium, deductible, network, and out-of-pocket costs
  • Options across multiple carriers, so you compare value, not one company’s offer
  • Recommendations that balance cost and protection against variable income
  • Support after you enroll, including claims questions and life events
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Sound Familiar

The Five Situations We Hear Most

Almost every contractor who calls us is in one of these five spots. Find yours and see how we handle it.

Paying too much and still unsure what you are getting? We explain what you’re paying for and show better-value options when they exist.

  • A line-by-line look at what your premium actually buys
  • Comparison across multiple carriers, not one company’s shelf
  • An honest answer when your current plan is already the best deal
  • No switch recommended unless it genuinely saves you money

Plan changed and your doctor is now out of network? We help you choose plans based on the provider network before you enroll.

  • We verify your doctors and hospitals before you commit
  • Networks checked against the specialists you actually see
  • No unpleasant surprise at your first appointment of the year
  • Plans compared on network access, not premium alone

One injury could pause your income? We can add disability and accident options that help protect your earnings.

  • Short-term and long-term disability to replace income
  • Accident coverage that pays cash benefits directly to you
  • Sized against your real monthly obligations
  • Especially important when there is no employer sick leave

Healthy, so you keep putting it off? We help you pick a practical baseline plan with simple add-ons for the big financial hits.

  • A right-sized baseline instead of the most expensive plan
  • Add-ons that cover the genuinely catastrophic scenarios
  • Lower monthly cost while staying meaningfully protected
  • A setup you can upgrade as your income grows

Want to protect your family but don’t know where to start? We build a simple setup with health coverage plus life insurance.

  • Health coverage for the whole household
  • Term life sized to your debts and your dependents
  • One conversation instead of four separate shopping trips
  • Reviewed again as your family changes

Popular Starting Point

The Starter Protection Bundle

If you’re not sure where to begin, many contractors start with a simple setup that balances cost and protection. We tailor it to your needs, no pressure.

  • A right-sized health plan chosen for your doctors, prescriptions, and budget
  • Accident or critical illness coverage to reduce financial shock
  • Disability coverage to help protect your income
  • Term life insurance for family protection

What Is Available

Coverage Options Built for the Self-Employed

Take it à la carte or bundled. Start with a health plan or explore private market options, then layer on life, supplemental, or GAP coverage as your income allows.

  • Health plans matched to your budget and doctors
  • Dental and vision options for routine care
  • Short-term or long-term disability coverage to protect income
  • Accident coverage for unexpected injuries
  • Critical illness coverage for major medical events
  • Term and permanent life insurance to protect your family
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Who We Work With

Industries and Professions We Serve

If your income is 1099 or self-generated, we can help. We work with independent professionals across many fields, and we understand how irregular income and client demands shape the right coverage.

  • Real estate agents and brokers
  • Mortgage brokers and loan officers
  • Truck drivers and owner-operators
  • Consultants and coaches
  • Freelancers and creative professionals
  • Construction and skilled trades
  • Sales professionals
  • Home inspectors
  • Insurance and financial professionals
  • Real estate investors
  • Gig and platform workers

  • And Many Others…

Simple Process

How It Works

About ten minutes to start, and no obligation at any point.

1. Quick Intake

Tell us your budget, doctors, prescriptions, and what you want to protect.

2. We Compare and Simplify

We shop plans and present 2 to 3 best-fit options with the trade-offs spelled out.

3. Enroll and Get Support

We help you enroll and stay available for questions, claims, and changes.

Help When the System Gets Messy

Ask about patient advocacy support through our vCare partnership for claims help, billing questions, and appeals, so you’re not stuck handling paperwork alone.

Common Questions

Independent Contractor FAQs

In most cases, yes. Self-employed people can often deduct 100% of health insurance premiums for themselves and their families. Talk to your tax professional about how this applies to your situation.

You may still qualify for a Special Enrollment Period after a qualifying life event, or you may be able to enroll in a private plan that isn’t tied to ACA enrollment windows. Contact us and we’ll find out your options.

Yes. We recommend options that balance budget and protection for variable income, so your coverage stays affordable in slower months.

No. The review is free and there is no obligation.

It depends on the type of plan. Marketplace coverage cannot deny you or charge more for your health history. Some private and short-term plans are underwritten differently, so we check that carefully and tell you plainly which doors are open to you.

We are based in Tampa Bay and licensed across multiple states, which matters if you travel for work or your clients are elsewhere. Ask us and we will confirm coverage where you live and work.
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Get Started

Coverage That Fits How You Work

Get a clear comparison and a recommendation built for the self-employed. Takes about 10 minutes to start. No pressure.

Talk to a licensed broker

(813) 923-3133

info@rjhealthpartners.com
Tampa Bay and across Florida