Self-employed people may explore individual health insurance through the Marketplace, along with any other coverage options available to them. Income estimates can be more complicated when earnings vary during the year, so it's important to follow the Marketplace's instructions for estimating household income.
Estimate carefully
Use the official definition and application guidance for income rather than relying on gross revenue alone or a simple monthly extrapolation. Business expenses, tax filing circumstances, household members, and other factors may matter under the applicable rules.
Compare the full plan
Review premiums after any applicable assistance, deductibles, provider networks, prescription coverage, and out-of-pocket limits. If your income or household changes, report it through the Marketplace as appropriate.
Official resources: HealthCare.gov self-employed coverage and reporting changes. Individual tax questions should go to an appropriately qualified tax professional.