The below content is provided by Gallagher, our exclusive health coverage partner. Learn more about Gallagher’s services for Authors Guild members here.

For independent contractors, 1099 workers, and sole proprietors, securing affordable, comprehensive health coverage is often a top concern. Without access to employer-sponsored plans, the landscape can feel overwhelming. In reality, there are several practical options available to support both short-term needs and long-term health goals.

Here’s a breakdown of the four primary coverage paths:

1. ACA Coverage for Individuals Under 65

For those without employer-sponsored insurance, ACA-compliant plans (commonly called “Obamacare”) are often the most comprehensive and accessible option. These plans offer:

• Guaranteed coverage: You cannot be denied or charged more due to pre-existing conditions
• Plan flexibility: A range of options to fit your health needs, budget, and preferred providers
• Financial help: Depending on income, you may qualify for subsidies that lower monthly premiums
• Cost protection: Annual out-of-pocket limits and no lifetime or annual coverage caps

As of 2026, all Bronze and Catastrophic ACA plans are also HSA-compatible, creating additional opportunities for tax-advantaged savings.

2. Alternatives to ACA Plans for Individuals Under 65

While ACA plans provide robust coverage, lower-cost alternatives may fit certain situations:

• Short-Term Medical Plans:
  Designed for temporary needs, these plans are typically available in 3- to 12-month increments (up to three years in many states).
  • Lower monthly premiums
  • Limited coverage (often excluding maternity, prescriptions, and preventive care)
  • Medical underwriting required, meaning pre-existing conditions are not covered

These plans may suit individuals between jobs, waiting for coverage to begin, or seeking short-term protection.

• Minimum Essential Coverage (MEC) Plans:
  These budget-friendly plans focus on preventive care.
  • Preventive services covered at 100% (annual checkups, screenings, immunizations)
  • Limited additional benefits such as telehealth
  • Do not cover major services like hospitalization, specialists, or most prescriptions

MEC plans are often paired with supplemental coverage and are typically available year-round without a qualifying life event.

3. Medicare Options for Individuals 65 and Older

Medicare provides coverage for individuals age 65 and older, as well as certain younger individuals with qualifying disabilities or conditions. Options can vary, and understanding what’s included—and what isn’t—is an important part of selecting the right coverage.

4. Supplemental and Voluntary Benefits

Supplemental coverage can help fill gaps in primary health insurance and manage out-of-pocket costs. Common options include:

• Dental and vision insurance
• Life insurance
• Critical illness plans
• Hospital indemnity coverage

These benefits can provide additional financial protection for expenses not covered by major medical plans.

Enrollment Periods and Access

Timing is an important part of securing coverage:

• ACA Open Enrollment: November 1–December 15
• Medicare Annual Enrollment: October 15–December 7
• Short-Term and MEC Plans: Typically available year-round

Outside of open enrollment, you may still qualify for ACA coverage if you experience a Qualifying Life Event (QLE) such as job loss, relocation, marriage, or having a child.

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Independent workers have more health coverage options than ever before. Whether you prioritize comprehensive protection, affordability, or flexibility, there’s a solution to fit your needs.

Authors Guild members have access to Gallagher’s concierge service as an exclusive benefit. A licensed broker can help you evaluate your options and build a coverage approach that aligns with your situation. Get started here.