No employer plan? Kyle Frank is a licensed health insurance broker who helps self-employed Missourians compare private plans and Marketplace options to find coverage that fits their doctors and their budget. It costs you nothing.
These are the moments when coverage most often gets expensive or confusing.
Leaving a job usually means leaving its health plan. COBRA isn't your only choice, and it's often the most expensive. Compare COBRA and your other options.
If you earn too much to get help paying the premium, a Marketplace plan can be costly. See how private and Marketplace plans compare.
Marketplace premium help is based on the income you estimate for the year. Private plans are priced on your health, so your premium doesn't depend on what you earn.
Some private plans use national networks, which can be a good fit if you travel. See our guide to health insurance for truck drivers.
Adding a spouse and kids changes the math. Kyle compares the total cost of covering everyone, including splitting the family across plans.
If you're healthy, a private plan is often the best place to start.
Private plans are priced on your health, not your income. Healthy people can often get better benefits for significantly less than full-price Marketplace plans.
Many private plans come with broad doctor and hospital networks. Kyle checks that your doctors are included before you decide.
Many private plans don't make you wait for open enrollment, so you can get covered when you leave a job or start a business.
If you earn too much for Marketplace premium help, a private plan can be a much better value.
If you don't get health insurance through an employer, Kyle can help.
If a private plan isn't the right fit, Kyle will tell you and walk you through these instead.
A good fit if you have a major health condition, or if your income qualifies you for help paying the premium. Missourians shop through HealthCare.gov.
If your spouse has coverage through work, compare it side by side. It isn't always the cheapest option once you add family members.
Missouri has expanded Medicaid, so in a lower-income year you may qualify for MO HealthNet. Depending on household income, your children may qualify for MO HealthNet for Kids, even if you are on a different plan.
A low monthly cost isn't a good deal if the plan doesn't cover what you need.
Three simple steps. No pressure and no cost to you.
Tell Kyle who needs coverage, which doctors you want to keep, and your budget.
Kyle walks you through your options and what each one does and does not cover.
Kyle helps you enroll and stays available when you have questions later.
Private health plans are not ACA-compliant major medical plans. Benefits, exclusions, limits and underwriting vary by plan, they may not cover pre-existing conditions or all essential health benefits, and they are not eligible for ACA premium subsidies. Kyle explains exactly what a plan does and does not cover before you decide, and you should read the plan documents.
Kyle is licensed in Missouri and works with clients by phone or video, including Kansas City, St. Louis, Springfield, Columbia, Independence, Lee's Summit, O'Fallon, St. Charles, St. Joseph and Jefferson City. Frank Family Health is based in Sunrise, Florida, and Kyle is licensed in 31 states.
More reading: health insurance for the self-employed, open enrollment 2027, and self-employed health insurance in Florida, Texas, Georgia, Wisconsin and Nevada.
Quick answers to what self-employed Missourians ask us most.
The main options are a private health plan, a Marketplace (ACA) plan through HealthCare.gov, or a spouse's employer plan. The best choice depends on your health, your income and the doctors you want to keep. Kyle compares them side by side.
No. Private plans are priced on health instead of income, which is why healthy self-employed people can often save. They are not ACA-compliant major medical plans, so they may not cover pre-existing conditions or all essential health benefits, and they aren't eligible for ACA premium help. Kyle explains exactly what's covered before you decide.
Many private plans let you apply any time of year. Marketplace plans through HealthCare.gov have open enrollment each fall, and outside that window you usually need a qualifying life event, like losing other coverage, getting married, or having a baby.
Many self-employed people can. The rules depend on your business setup and on other coverage available to you, so ask your tax professional how it applies to you.
Yes. Kyle is licensed in Missouri and works with self-employed Missourians by phone or video.
No. Kyle is paid by the insurance carriers, not by you.
A free 15-minute call is all it takes. Kyle will walk you through your options.