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By Profession

Health Insurance for Construction Workers

Trades work spans employees, subcontractors, and owner-operators, and the right coverage path is different for each. Seasonal schedules add one more thing to plan around.

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Paths by Work Arrangement

  • Subcontractors paid on a 1099 typically buy individual coverage
  • Crew owners may review small-group coverage for their team
  • Seasonal work makes year-round continuity worth planning for
  • Accident and supplemental products are sometimes layered on physical-trade jobs

Health Insurance Is Not Workers' Compensation

Workers' compensation covers job-related injury for employees and is a separate line of coverage. Health insurance covers non-occupational medical care. Many tradespeople carry both, arranged separately.

Related Reading

This page is for general educational purposes only and is not insurance advice, a policy, or an offer of coverage. Availability and eligibility vary by state and applicant.

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