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Benefits for The Whole Family

As a freelancer, contractor, or 1099 independent pro, navigating health insurance can feel like a full-time job on top of your actual work. You need coverage that’s affordable, flexible, and tailored to irregular income—without the hassle of endless calls or generic advice. That’s where MKW Insurance Group shines. We’re not just another broker; we’re your dedicated partner in securing benefits that fit your hustle, backed by expertise in self-employed needs like tax credits and bundled services.
  • No medical underwriting – pre-existing conditions covered
  • Family coverage for spouses & dependents
  • Tax credits based on income (even if you’re between gigs)
  • Get Your Credit Estimate Now
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F.A.Q.

FAQ

Common Questions About 1099 Health Insurance

Frequently Asked Questions
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General Questions

Yes — short-term plans cover 1–12 months with no waiting period.
13 states require it for 1099s with employees. We’ll check your state rules.
Absolutely. Most plans include family coverage with one premium.
You may qualify for a Special Enrollment Period (SEP) — we’ll find out.
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Why Choose MKW for Your Freelancer Health Insurance?

As a freelancer, contractor, or 1099 independent pro, navigating health insurance can feel like a full-time job on top of your actual work. You need coverage that's affordable, flexible, and tailored to irregular income—without the hassle of endless calls or generic advice.

Guaranteed Tax Credit Optimizatio

Most agents overlook the nuances of the self-employed health insurance deduction (IRS Section 162(l)), which lets you deduct 100% of premiums—even without itemizing. But we go further: We maximize your Premium Tax Credit through the ACA Marketplace, enhanced by the Inflation Reduction Act through 2025.

Affordable Plans Starting at $250/Month (With Real-World Savings)

The average Silver Marketplace plan runs $621/month unsubsidized, but with our guidance, most freelancers pay $250–$400 after credits—well below the $484 national individual average.

All-in-One Bundling: Health + Payroll + Workers' Comp

Why juggle multiple providers? MKW bundles health insurance with payroll setup and workers' comp—essential for 1099s in 13 states requiring coverage. he

Lightning-Fast Enrollment & Support (24–48 Hours, Not Weeks)

Forget 3–5 day waits from generic agents. We process enrollments same-day during Open Enrollment (Nov 1–Jan 15), with coverage kicking in as soon as tomorrow.

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No medical underwriting – pre-existing conditions covered

You won’t face health questions or denials. Whether you have diabetes, a past injury, or ongoing treatment, your coverage starts Day 1 with zero exclusions. No waiting periods, no surprises — just real protection when you need it most.
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Tax credits based on income (even if you’re between gigs)

Your 2024 or projected 2025 income determines your subsidy — not your best year. Had a slow quarter? Still qualify. Credits apply monthly, slashing your bill instantly (up to $1,200+/month for families). Plus, deduct 100% of premiums on your taxes for double savings.
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Family coverage for spouses & dependents

One plan covers you, your spouse, and kids under 26 — all under a single premium. Add dental, vision, or pediatric care with no extra hassle. Keep your family protected without juggling multiple policies.
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starter family plan

Lock in 2025 coverage + up to $3,200 in tax credits before it’s gone.
Don’t pay $800+/mo for health insurance.
family insurance