Do 1099 contractors get any employer contribution?

Typically no. Some companies offer stipends or reimbursement arrangements to contractors, but that is arranged with the hiring company, not through the insurance carrier.

Situation Guide

1099 Health Insurance Options

If you are paid on a 1099, health coverage is yours to arrange. Nothing is withheld, nothing is subsidized by an employer, and the plan you choose belongs to you rather than to a job.

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How 1099 Coverage Differs From a W-2 Plan

You pay the full premium rather than an employer-shared portion
Plan choice is yours, not limited to one company's menu
Coverage follows you between clients and contracts
Premium tax credits may be available through the Marketplace depending on income

Common Paths for 1099 Workers

Most 1099 workers compare a Marketplace plan against off-exchange private options. Which direction makes sense usually comes down to whether you qualify for a premium tax credit and whether a specific network matters to you.

Practical Timing Notes

Losing employer coverage is generally a qualifying life event with a limited enrollment window
Open enrollment is the standard window for major medical coverage
Some non-Marketplace products can start outside those windows in certain states

Common Questions

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