Affordable Health Coverage for Individuals, Families & the Self-Employed
Reliable, comprehensive health coverage built around your life (minus the marketplace red tape).
Our nationwide individual and family health solutions provide high-value solutions that differ from traditional insurance by pairing proactive primary care with robust medical cost-sharing models. This structure shields households across the country from major medical expenses while keeping monthly costs predictable and out-of-pocket fees low.
Find the Right Plan for Your Family
Healthcare shouldn’t be complicated. Use our quick estimator to see real-time rates and coverage options tailored to your family’s needs and budget.
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Based on your specific zip code and family size.
- Zero Commitment:
Who We Help
Health Insurance for Individuals, Families & 1099 Workers
- Self-employed professionals
- 1099 contractors and freelancers
- Small business owners
- Families not eligible for employer coverage
- Individuals losing employer-sponsored insurance
- Those seeking COBRA alternatives through a job transition
The Problem
Why Individual Health Insurance Feels So Expensive
The system was not designed with independent workers in mind, causing families to often carry the financial burden.
You shouldn’t have to choose between protection and affordability.
- Many individuals face:
- High marketplace premiums
- Limited provider access
- Deductibles that feel unreachable
- COBRA plans that strain family budgets
- Coverage structures that prioritize billing over care
What We Do
A Smarter Approach
- Journey Health Advisors evaluates multiple types of sustainable, individual health insurance plans, including:
- A proven, structured health access model
- Direct Primary Care integration
- Catastrophic protection strategies
- Flexible coverage structures for income and risk
Health Insurance for 1099 & Self-Employed Professionals
- If you are a contractor or self-employed, you likely face:
- No employer subsidy
- Volatile income
- Limited tax guidance on health expenses
- High deductibles with little preventative care access
- We specialize in helping 1099 professionals access sustainable coverage strategies that:
- Protect against major medical events
- Encourage proactive primary care
- Reduce unnecessary premium inflation
- Provide predictable monthly budgeting
We help individuals overcome healthcare insecurity.
Leaving a Job? You Have Options.
COBRA can be expensive; especially when you are covering your full premium without employer contributions. We help individuals evaluate alternatives that are sustainable and retain quality.
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We believe healthcare should be:
- Accessible
- Affordable
- Patient-centered
- Built on freedom of choice
- Not just a bandage to deeper-rooted issues
Our Philosophy
Healthcare with Freedom of Choice that Supports Healthy Lifestyles
We are not tied to insurance carriers like traditional brokers.
We are advocates for individuals and families navigating a complex system.
Why Work With Journey Health Advisors?
Independent. Unbiased. Focused on You.
- At Journey Health Advisors, we:
- Provide objective guidance
- Compare multiple structural approaches
- Educate before recommending
- Prioritize sustainability over short-term sales
Individual & Family Health Insurance FAQ
What are health insurance options for 1099 employees?
Independent contractors typically have several options beyond a traditional employer plan: ACA marketplace plans, Direct Primary Care (DPC) memberships paired with catastrophic coverage, and health sharing programs, which usually run 40% to 60% less than an unsubsidized ACA premium. The right combination depends on your income (marketplace subsidies phase out at higher earnings), how often you actually use primary care, and how much risk you’re comfortable carrying for a major medical event. An independent advisor can model these side by side using your real numbers rather than a generic estimate.
Is there an alternative to COBRA coverage?
Yes. COBRA lets you keep your former employer’s exact plan, but you take on the full premium yourself, often around 102% of the group rate, which is usually far more than you were paying as an employee. Many people find that a private ACA plan, an ICHRA-compatible option, or a DPC-plus-health-sharing combination provides comparable protection for meaningfully less. Since COBRA typically gives you 60 days to decide, there’s time to compare the numbers before committing. Learn more about COBRA alternatives.
Is this considered traditional health insurance?
It depends on the strategy. Some options we discuss, like ACA marketplace plans or ICHRA-based coverage, are traditional, regulated insurance. Others, like health sharing programs, are not insurance, they’re voluntary, community-based cost-sharing arrangements that are legal in all 50 states but don’t carry the same regulatory guarantees as a licensed insurance policy. We walk through exactly how each option works and what protections it does and doesn’t include, so you’re choosing with full information, not guessing.
Is Direct Primary Care worth it for families?
For many families, yes. DPC memberships typically run $50 to $100 a month for adults and $20 to $75 for children, and they include unlimited primary care visits, telehealth, and basic labs with no copays. Families who use primary care regularly (well visits, sick visits, chronic condition management) often find the flat fee pays for itself in convenience alone. The one thing to know: DPC doesn’t cover emergencies, surgery, or specialist care, so it works best paired with a health sharing plan or HDHP for the larger, less frequent expenses.
How much does health coverage cost for a family that doesn't qualify for employer insurance or ACA subsidies?
Costs vary by age, location, and family size, but as a general framework: a DPC membership plus a compatible health sharing plan often runs $150 to $300 a month for a single adult, compared to $350 to $700 or more for an unsubsidized ACA Bronze or Silver plan. For a family of four, the gap is often even larger. The right way to know your actual number is to compare a real quote for your household against what you’re currently paying, since averages only tell part of the story.
Can I use my HSA to pay for Direct Primary Care?
Yes, as of January 1, 2026. A federal law change (the One Big Beautiful Bill Act) reclassified DPC membership fees as qualified medical expenses, so you can now use pre-tax HSA dollars to pay for DPC, up to $150 a month for individuals and $300 a month for families, as long as you’re also enrolled in a qualifying HDHP. This is a meaningful change: previously, enrolling in DPC could disqualify you from HSA contributions altogether.
What if I have a pre-existing condition?
This is one of the most important things to evaluate before choosing a strategy. ACA marketplace plans are required to cover pre-existing conditions with no waiting period. Health sharing programs are different: waiting periods for pre-existing conditions vary significantly by program, and some conditions may never be eligible for sharing. If you have an ongoing condition that requires regular specialist care or expensive medication, we’ll walk through exactly how each option treats it before you make a decision, this isn’t something to guess on.
When can I enroll if I'm not going through a qualifying life event right now?
It depends on what you’re enrolling in. ACA marketplace plans generally require either Open Enrollment (typically November through January) or a qualifying life event, like losing a job, moving, or a change in household, to trigger a Special Enrollment Period. Health sharing programs and DPC memberships don’t work on that same calendar; you can typically join either one at any time of year, which is one reason they’re a common choice for people navigating a transition outside the standard enrollment window.
Coverage Should Protect and Empower Your Health Without Threatening Your Finances
You deserve an ally.
Let’s find a sustainable health coverage strategy that works for your life.