What happens to my plan between contracts?

An individual plan continues as long as premiums are paid. It is not tied to any single client or project.

Situation Guide

Independent Contractor Health Insurance

Independent contractors carry their own coverage across projects and clients. That portability is an advantage — the plan does not end when a contract does.

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Building Coverage That Travels With You

Coverage stays in place between contracts and clients
Network breadth matters more if you work across regions
Prescription needs should be checked against each plan's formulary
Dental, vision, and supplemental products can be layered separately

Questions Worth Answering First

Which doctors you want to keep, roughly what your household income for the year will look like, and how much financial exposure you are comfortable carrying in a bad year. Those three answers narrow the field quickly.

Common Questions

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

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