The questions every gig worker asks
Income, networks, subsidies, accidents — straight answers, no shopping pressure.
Use your projected net self-employment income for the coverage year, not last year's 1099 total. We help you back into a defensible number using your last 90 days of app earnings, then we document it so your subsidy survives reconciliation at tax time.
Stack them. Add net earnings from Uber, DoorDash, Instacart, Rover — whatever pays you 1099 — into a single Modified Adjusted Gross Income (MAGI) estimate. Your advisor will walk through how mileage, depreciation, and Section 179 deductions affect MAGI.
Yes. Loss of job-based coverage is a Qualifying Life Event and opens a 60-day Special Enrollment Period. Bring your termination letter or final COBRA notice and we'll file the SEP and pick a plan that starts the first of next month.
Most do. If your household income is between 100% and 400% of the Federal Poverty Level, you qualify for ACA premium tax credits, and under current law many people above 400% still qualify. A single driver earning under about $54k usually gets full premium assistance.
ACA plans cover the medical side, but a standalone accident rider pays a lump sum for ER visits, fractures, and injury follow-ups. For drivers and taskers we almost always pair this with a Bronze plan. It costs $14–$28/month depending on age.
Bronze plans after subsidy run $0–$120/month for most drivers. A multi-app stacker with two dependents usually lands $90–$240/month. The exact number depends on ZIP, age, household, and projected MAGI — your advisor calculates it on the first call.
You can, but a 60+ day gap usually disqualifies you from the next SEP and may add penalties in some states. We typically suggest a low-cost Bronze for the slow months rather than dropping — premium tax credits scale down with your lower income anyway.
We check provider networks before we recommend a plan. Give us the names of any current doctors, specialists, or hospitals during your call and we'll only show plans whose networks include them.
Adult dental and vision are not part of ACA medical plans. We offer standalone dental from $19/month, vision from $12/month, and bundles around $28/month — popular with shoppers and creators who stare at screens.
There is no catch. Carriers pay us a standard commission set by state insurance regulators when you enroll. The premium you pay is identical whether you enroll with us, on healthcare.gov, or directly with the carrier.