- Disability and life insurance
- Health insurance
- Dental and other insurance
- Business insurance
Disability and life insurance for self-employed
Health insurance for self-employed
![COBRA ABOUT Cobra allows you to continue coverage under your former employer's plan, but you'll typically pay the full cost of coverage plus a 2% administration fee. PROS You can keep the plan you're familiar with. COBRA can be a short-term bridge to Medicare coverage. CONS COBRA can be very expensive because most employers don't subsidize premiums. Coverage usually only lasts 18 months. Spouse’s plan ABOUT If you have a spouse or domestic partner whose employer offers a plan that suits your needs, this is typically the best choice. PROS This may be the least expensive option. CONS Your coverage depends on a spouse or domestic partner keeping their job. Not all plans are available to domestic partners. Public marketplace ABOUT The federal or a state marketplace established by the Affordable Care Act (ACA) offers a range of coverage options. See your options at HealthCare.gov. PROS You may qualify for a federal tax subsidy, which can lower your premium. Subsidies are based on several factors including expected income, but not assets. CONS Plans may be expensive without the tax subsidy, although a range of plans are available so it's worth exploring. Private insurance ABOUT Insurance purchased through an agent, professional association, etc. PROS Depending on where you live, you may find more options than in the public marketplace. CONS Prices and features can vary widely, and not all plans may conform to ACA requirements. Federal tax subsidies do not apply to these plans. COBRA ABOUT Cobra allows you to continue coverage under your former employer's plan, but you'll typically pay the full cost of coverage plus a 2% administration fee. PROS You can keep the plan you're familiar with. COBRA can be a short-term bridge to Medicare coverage. CONS COBRA can be very expensive because most employers don't subsidize premiums. Coverage usually only lasts 18 months. Spouse’s plan ABOUT If you have a spouse or domestic partner whose employer offers a plan that suits your needs, this is typically the best choice. PROS This may be the least expensive option. CONS Your coverage depends on a spouse or domestic partner keeping their job. Not all plans are available to domestic partners. Public marketplace ABOUT The federal or a state marketplace established by the Affordable Care Act (ACA) offers a range of coverage options. See your options at HealthCare.gov. PROS You may qualify for a federal tax subsidy, which can lower your premium. Subsidies are based on several factors including expected income, but not assets. CONS Plans may be expensive without the tax subsidy, although a range of plans are available so it's worth exploring. Private insurance ABOUT Insurance purchased through an agent, professional association, etc. PROS Depending on where you live, you may find more options than in the public marketplace. CONS Prices and features can vary widely, and not all plans may conform to ACA requirements. Federal tax subsidies do not apply to these plans.](/bin-public/600_Fidelity_Com_English/images/learning-center/charts-and-graphics/health-insurance-img.png)
Dental and other insurance for self-employed
Business insurance for self-employed
- General liability
- Product liability
- Professional liability
- Commercial property
- Home-based business
- Business owners’ policy