Ready to find 2025 health insurance coverage? Shop Blue Cross and Blue Shield of Texas affordable coverage during Open Enrollment, whether you're a small business owner or gig worker.
What are My Health Insurance Plan Options If I'm Self-Employed?
Do you own your own business? Maybe you don't get coverage through an employer. Find affordable plans with BCBSTX. During Open Enrollment, from November 1, 2024 through January 15, 2025, compare your BCBSTX options and choose a plan for the upcoming year.
Each of BCBSTX's plan offerings has three metallic level options:
- Bronze plans can help you save if you don't have dependents or visit the doctor often.
- Silver plans can keep you and your family covered with costs balanced between health care bills and monthly payments.
- Gold plans are great for growing families or those with more health concerns.
Who Is Considered Self-Employed?
Maybe you're a small business owner chasing your dreams. Or you want to be your own boss. BCBSTX can help if you're a:
- Gig worker, like a food delivery, app-based handyman or short-term rental owner
- Independent contractor, like construction workers, software professionals working independently or employees who doesn't get health insurance as a benefit through work
- Freelance worker, like designers or photographers
- Small business owner, like a local construction company owner or store owner who doesn't offer employer coverage
Consider This Before Shopping
There are a few important things to think about before choosing a plan:
- Check our drug lists to make sure your prescriptions are covered
- Check plan networks to understand your providers or find in-network doctors and hospitals
- Check if you qualify for other plan types, like Medicare or Medicaid
Benefits of Getting Insurance Through BCBSTX
Affordable health coverage
We have plan options and levels of coverage to fit every budget and lifestyle. Plus, you may qualify for savings, like premium tax credits, to help lower your plan costs.
Easy online experience
Shop on our web shopping platform, schedule automatic monthly payments online and access your member details through our mobile app. Experience the best of BCBSTX at your fingertips.
24/7 support
Whether you need help using your BCBSTX plan or want to meet with a doctor virtually, you'll always have access BCBSTX's 24/7 support services.
Simple bill payments
Our payment portal lets you make one-time or first-time payments through your member account. Plus, sign up for Auto Bill Pay to make sure you never miss a payment.
FAQs
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What are my vision and dental coverage options?
When you're shopping for a plan, you have the option to add on vision or dental coverage. To review your options, start shopping through our shopping platform or partner platforms to explore your options and choose coverage that's right for you.
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What happens to my plan if I get a job that offers health insurance coverage?
If you get a job that offers you insurance coverage while you already have your own plan, here are a few things you can do:
- Keep your current plan: You don't need to opt in to your employer's plan if you'd prefer to keep the one you have now. Just continue to pay your premium to keep your coverage.
- Choose a plan through your employer: Usually, you can enroll in an employer-offered plan when you get hired. To end your individual and family plan coverage, just stop paying its premium.
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I'm a small business owner or growing my business with employees. What are my options?
Congratulations on your growing business! If you're interested in giving your employees health insurance options, also known as small group plans, you have options with BCBSTX. To qualify, your business just needs to have 2 employees (including yourself) and underwriter approval for full-time employees.
Understand the benefits of small business health insurance plans, how you can find the right fit for you and your employees and get a quote today.
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When am I able to enroll in a new plan?
Anyone's able to enroll in a new plan or update coverage during Open Enrollment. Open Enrollment begins every year on November 1. You don't need to go through a life event to qualify like you do during Special Enrollment.
If your job changed within the past 60 days, you may be able to enroll through Special Enrollment. The Special Enrollment Period lets you update or choose a new plan for big life changes. Some qualifying changes are getting let go or quitting your job, losing COBRA coverage or losing coverage because your employer lowered your working hours. Understand how job changes could qualify you for Special Enrollment.