Gig worker? Your business deductions lower your income — and that means bigger subsidies.
Most gig workers overpay for health insurance because they report gross income, not net. Your mileage, phone, and vehicle expenses lower your AGI — which unlocks larger ACA subsidies. Your agent calculates your real net income and finds the cheapest total-cost plan across 6+ carriers.
The things nobody tells you — until it costs you money.
Subsidies are based on net income (after business deductions). Most gig workers report gross earnings and overpay. Mileage, phone, maintenance — all reduce your AGI and increase your subsidy.
Gig income is volatile. Estimate too high and you overpay. Too low and you owe money at tax time. Your agent helps you estimate accurately based on your recent earnings.
Uber and DoorDash point you to Stride — which is fine but limited. Your agent compares all carriers in your ZIP, not just what Stride shows you.
You'll get calls from companies selling "private plans" for $99/mo. They exclude pre-existing conditions, cap coverage, and deny claims. Your agent only recommends ACA-compliant plans.
This page is for you if:
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions.
Yes. ACA subsidies are based on Adjusted Gross Income (AGI). Mileage ($0.67/mile in 2024), phone, and vehicle expenses reduce your AGI. Lower AGI = bigger subsidy = cheaper insurance. Most gig workers save $100–$300/mo once deductions are factored in.
Use your last 3 months of net earnings and annualize. If earnings are seasonal, average the last 12 months. Your agent helps you estimate accurately to avoid underpaying or overpaying subsidies.
Stride is a marketplace navigator — it only shows you marketplace plans. Your agent compares all carriers in your ZIP, including plans Stride doesn't surface, and evaluates total cost, not just premium.
Those are non-ACA plans. They exclude pre-existing conditions, have annual coverage caps, and can deny claims. They're cheap until you need them. Your agent only recommends ACA-compliant plans.
Yes — as a self-employed individual, you can deduct 100% of your health insurance premiums on your taxes (Schedule 1). This is separate from the marketplace subsidy. Your agent explains both benefits.
No. One brokerage, not a lead-gen site. BBB A+ rated.
100% free. Carriers pay us a flat commission.
12 minutes. Real savings.
Your agent compares total cost across 6+ carriers. One call, $0 fee.
(866) 605-0702