Solo Entrepreneurs

A professional woman in a navy blazer standing confidently in a modern office — representing solo entrepreneurs seeking affordable life, health, and business insurance.

As a solo entrepreneur, you are the business — which means protecting your health also protects your income. Even without employees, you can still access robust benefits designed specifically for one-person companies. These plans help you stay covered, stay competitive, and stay focused on growing your business. Coverage is flexible, affordable, and tailored to the way you work.

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A contractor in a yellow safety helmet inspecting warehouse equipment — representing contractors needing health, disability, and business insurance.
A young videographer adjusting a camera — representing self-employed creatives looking for individual health and disability coverage.
A nurse in scrubs working on her laptop — representing self-employed healthcare workers needing independent health and life insurance plans.

Who Qualifies

  • Incorporated business owners

  • Independent contractors & trades

  • Consultants & freelancers

  • Tech professionals & start-ups

  • Beauty professionals (lash techs, nail techs, estheticians)

  • Creatives & service providers

  • Anyone self-employed with verifiable income

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What You Can Get

  • Health & dental coverage

  • Prescription drug plans

  • Health Spending Accounts (HSA)

  • Optional life insurance

  • Optional critical illness protection

  • Optional disability protection (income protection)

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  • Yes — in many cases spouses and children can be added, so your household is protected under one plan.

  • It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. In most cases, yes.


    Premiums for health, dental, and extended medical benefits are typically considered a legitimate business expense, meaning you can write them off through your corporation. HSAs are also fully tax-deductible to the business and tax-free to you personally. (Always confirm with your accountant for your specific situation.)

  • A Health Spending Account (HSA) is a tax-free account your business funds, and you choose how to spend it. It covers a wide range of health expenses — dental, vision, massage, prescriptions, therapy, braces, and more. It’s popular with solo entrepreneurs because it’s flexible, simple, and fully tax-deductible to the business while being tax-free to you personally.

  • Traditional benefits cover specific services (like dental, drugs, massage).


    An HSA gives you full flexibility — it’s a tax-free spending account you can use for almost any health-related expense. It’s especially popular for solo entrepreneurs who want simplicity and control over their coverage.

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