You have built your freelance work around your skills, clients, and goals. Let’s give your health coverage that same personal attention. Our fixed benefit health plans offer no deductible or copays, nationwide PPO network savings, and scheduled benefits for covered care. The Jordan Insurance Agency helps you see how the benefits and monthly premium fit your project income and the care your household uses.

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 freelancers brings the benefits and consultation process together for your situation.

Health benefits built around your next step

Freelance deadlines do not always leave room for an office appointment. Included general virtual visits give you 24/7 access to non-emergency phone or video care at no additional charge. A choice of benefit levels makes it possible to review different premiums against your normal invoice cycle, while provider discounts help the scheduled benefits go further. We check the doctors, prescriptions, and family needs that matter to you.

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 budget when client payments vary?

Choose a monthly amount you can maintain across your normal project cycle. A large invoice this month may need to support several quieter weeks, so consider the full year rather than one busy month. Include your premium and the amounts you may pay when receiving care.

Bring an estimate of your household income, business expenses, and expected work. We help identify the information the insurance application requires. Your accountant can confirm how to report income and whether premium deductions apply. Our 1099 contractor health insurance guide covers related planning questions for independent workers.

What if you need coverage for your family?

Tell us who needs insurance and what matters to each person. A child’s regular appointments, a spouse’s prescriptions, or a planned procedure can change which option best fits the household. Review the family’s coverage together even if members ultimately use different eligible plans.

If a spouse has employer benefits, bring that summary too. We help you review the available choices and the application information needed, keeping the discussion focused on the household’s care and budget.

When should you review or change your plan?

Review coverage when your work or household changes and before your renewal. Moving into full-time freelancing, adding a dependent, moving, or hiring employees can make a new conversation useful. Enrollment opportunities and effective dates depend on the plan and your circumstances.

If you have formed an LLC, see our health insurance guidance for LLC owners. Bring your current policy and business setup so we can help you identify the insurance questions and coordinate any tax questions with your adviser.

Where can freelancers get personal health coverage?

You can shop individual major medical plans, review benefits available through a spouse, and explore eligible association options. Our featured fixed benefit program offers scheduled benefits and nationwide network savings as another part of that conversation. Our self-employed health insurance overview helps you organize the choices around your doctors, family and income.

Can you enroll when you leave a job to freelance?

Losing qualifying employer coverage can create a Marketplace Special Enrollment Period. Confirm when the old policy ends and the new coverage can begin; a resignation date and a benefits end date can differ. Outside that situation, Marketplace enrollment follows its enrollment rules, while fixed benefit applications are accepted year-round subject to underwriting, approval and availability.

Bring the employer notice, current benefit summary and your preferred start date. We help turn those dates into a practical application plan, whether you are starting with a single client or moving an established side business into full-time work.

Can freelancers deduct premiums or use an HSA?

Eligible self-employed workers may qualify to deduct health insurance premiums. Your accountant can review your business income, other coverage eligibility and the policy involved. Our premium-deduction guide for self-employed people explains the information to gather.

Health savings account contributions require qualifying coverage and other eligibility conditions. No deductible in a fixed benefit policy does not establish HSA eligibility. If saving through an HSA matters to you, ask us to identify the coverage details for your tax adviser to review.

What changes as your freelance business grows?

Client projects may turn into a studio, an agency or another business with staff. Our entrepreneur health insurance guide helps you plan the transition, while our small-business owner guide separates your household’s coverage from employee benefits. You can also discuss separate dental and vision options during your consultation. Our health insurance services give you a single starting point as your work evolves.

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.

  1. Tell us what matters. Share your budget, preferred doctors, prescriptions, and the services you expect to use. We start with your priorities.
  2. Review your options. See the premium and benefit schedule together. We check provider participation and explain how the network discounts and fixed payments work.
  3. 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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