Can I cover just myself through my business?

It depends on your state, business structure, and whether you have eligible employees. Many owner-only businesses use individual coverage instead of a group plan.

Business Guide

Health Insurance for Business Owners

Owners usually have two questions at once: what covers me and my family, and what should we offer the team. Those can be answered together, and often should be.

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Owner Coverage vs Group Coverage

Sole owners with no employees typically buy individual coverage
Group plans generally require a minimum number of enrolled employees, which varies by state and carrier
Group coverage may allow the business to contribute toward premiums
Some owners maintain individual coverage while offering an alternative arrangement to staff

What a Review Looks At

Household needs, including dependents and prescriptions
Employee count, locations, and participation expectations
Budget for employer contribution, if any
Renewal timing so changes line up with the plan year

Common Questions

Ready to Review Your Health Coverage Options?

Get personal guidance and compare options that may fit your needs, budget, doctors, prescriptions, and coverage goals.

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