Your independent business deserves health coverage planned around the life you are building. Explore fixed benefit health plans with no deductible or copays, nationwide PPO network savings, and benefits for covered doctor visits, prescriptions, hospital care, and more. The Jordan Insurance Agency helps you connect those benefits to your contract income, work locations, and family’s needs.
For 20 years, The Jordan Insurance Agency has helped people make confident insurance decisions. We bring that experience and personal attention to your doctors, prescriptions, budget, and the care that matters to you. This program is underwritten by an established national insurance carrier and offers access to a nationwide PPO network.
Our health plan guide for 1099 independent contractors brings the benefits and consultation process together for your situation.
Health benefits built around your next step
When you manage your own contracts, convenient care and a clear monthly budget matter. Included general virtual visits provide 24/7 access to non-emergency care at no additional charge, useful around client appointments or time away from home. We help check participating providers where you live and work and show you the available benefit levels alongside the monthly premium. You can build your personal health coverage conversation around your household as your projects change.
No deductible. No copays. Two ways to save.
You do not have to meet a plan deductible or pay a plan copay before a covered fixed benefit is payable. Your network discount lowers the eligible provider charge, and your scheduled benefit helps pay the remaining amount. You can see the benefit amounts before enrolling and choose the level that works for your needs and budget.
1. Use the nationwide network
Choose a participating doctor or hospital to access pre-negotiated rates. You can use other providers, but network discounts help your benefits go further. We’ll help you check your providers before you apply.
2. Apply your fixed benefit
For a covered service, the plan pays the amount listed in your benefit schedule to the provider or to you. The payment is based on your selected benefit level, not a percentage of the bill.
3. Put your benefits to work
Your network savings and scheduled payment work together to help cover the cost of care. If the benefit exceeds the eligible charge, the difference can be paid to you. Any charges above the benefit remain your responsibility.
See how the savings and benefits work together
For example, a $175 office visit could be reduced to $72 through a participating provider’s negotiated rate. With a $100 scheduled benefit, the visit is paid and the remaining $28 goes to you. For an X-ray example, a $238 negotiated charge with a $150 benefit leaves $88 to pay. These examples illustrate one benefit level; actual charges, discounts, and benefits vary.
At a participating provider, show your plan ID card. The provider files the claim and receives the applicable benefit payment to apply to your bill. When you use a non-network provider, you can submit the claim yourself. We can help you understand the process.
Benefits for everyday care and more
Available plan levels include scheduled benefits for the services below. During your consultation, we review the exact dollar amounts, visit limits, and state-specific terms alongside your quote.
- Doctor and urgent care visits: Benefits for covered primary care, specialist, and urgent care appointments.
- Wellness and screenings: Scheduled benefits for physical exams, certain health screenings, and eligible immunizations, with applicable age requirements and annual limits.
- Hospital and surgical care: Benefits for covered hospital stays, emergency room care, eligible surgeries, and outpatient facilities.
- Labs, imaging, and prescriptions: Benefits for covered laboratory tests, diagnostic imaging, and eligible generic or brand-name prescription fills, subject to the plan’s limits.
- $0 general virtual doctor visits: Included access to unlimited general, non-emergency phone or video visits at no additional charge, 24/7. This is a separate service, not insurance; specialty virtual visits can cost extra.
- Additional prescription savings: An included prescription discount program helps you compare pharmacy prices. It is separate from the policy’s prescription benefits and is not insurance.
How do you set a budget around project income?
Look at the amount you can maintain through your normal cycle of contracts and invoices. Include the monthly premium and the costs you may pay for appointments, prescriptions, and other care. A useful quote connects those amounts to the benefits you expect to use.
Bring a current estimate of household income and business expenses, and coordinate reporting or deduction questions with your accountant. Financial assistance and tax treatment depend on eligibility and the applicable rules; they should be reviewed for your situation rather than assumed from your 1099 status.
Does personal health insurance satisfy a client’s insurance requirement?
Personal health coverage and the business insurance a client requests serve different purposes. If a contract asks for a certificate of insurance, bring the wording so the appropriate business coverage can be reviewed separately. Your household’s medical plan should be chosen around personal care needs.
Different independent professions also have different practical questions. See our guidance for independent consultants and freelancers for examples involving client travel and project-based work. We use those details to make the discussion specific to you.
What changes when your business hires employees?
Tell us when you expect to hire and how the business is organized. Covering an owner and family is a separate planning question from offering benefits to employees. We help you identify the information needed for an employer coverage review and coordinate tax or payroll questions with your advisers.
Our small-business owner health insurance guide provides the next set of questions as your operation grows. A benefits review helps you plan the offer you want to make to future employees.
Where do 1099 contractors get health insurance?
Independent contractors can buy individual coverage and review any eligible household or association benefits. A 1099 tax form describes how your work income is reported; it does not enroll you in a health plan. Our self-employed health insurance overview explains how to begin. We help compare your available choices, including the featured fixed benefit program, around your family’s care and project income.
If you are leaving a job with benefits, losing qualifying employer coverage can open a Marketplace Special Enrollment Period. Otherwise, enrollment follows the applicable plan’s rules. You can apply for fixed benefit insurance year-round, subject to health underwriting, approval and availability. We help confirm the effective date before you change coverage.
What matters for tradespeople and gig workers?
A construction subcontractor may work across several job sites and want appointments that fit the workday. Our health insurance guide for independent tradespeople addresses that situation. A rideshare driver or delivery worker may need to plan a premium around variable platform income. In both cases, we review personal medical care separately from business insurance, workers’ compensation or client-required coverage.
If you work in real estate, consulting or another independent profession, the same review starts with your actual work pattern: where you receive care, how often you travel, and which family members need benefits. You do not need to fit your household into someone else’s business model.
Can a contractor deduct premiums or contribute to an HSA?
Eligible self-employed workers may qualify for a health insurance deduction. Your accountant can review the policy, business income and access to other coverage. Start with our self-employed premium-deduction guide and keep records of what you pay.
An HSA requires qualifying health coverage and other eligibility conditions; a fixed benefit policy alone does not establish eligibility to contribute. If this is part of your financial plan, we help identify the policy details for your tax adviser. Our health insurance services connect the coverage conversation to your next business step.
A consultation centered on you
Your free consultation is a chance to learn, ask questions, and explore coverage that fits your life, with no obligation to enroll. We bring the available benefits, your expected care, and your monthly budget into one conversation.
- Tell us what matters. Share your budget, preferred doctors, prescriptions, and the services you expect to use. We start with your priorities.
- Review your options. See the premium and benefit schedule together. We check provider participation and explain how the network discounts and fixed payments work.
- Choose with support. If you decide to apply, we help with the next steps. Our agency remains a resource for questions about your coverage afterward.
Personalize your protection
You can also explore separate accident, critical illness, and dental and vision options. We explain how those additional benefits can complement your fixed benefit plan and what each option costs, so you can choose what matters most to you.
Fixed benefit insurance pays scheduled amounts for covered services and is not a substitute for comprehensive major medical coverage. Applications are available year-round, subject to health underwriting, acceptance, and state availability. Preexisting conditions generally have a 12-month benefit limitation, with terms varying by state. Routine pregnancy and childbirth are generally excluded, with complications subject to policy terms. We review your health history, ongoing treatment, prescriptions, and planned care so the benefits and applicable exclusions are clear before you decide.
Learn more in our No Deductible Health Plans overview, or call (704) 926-7565 to talk with The Jordan Insurance Agency. Let’s put your health insurance questions into a clear, personal plan.
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