INSURANCE · 1099 + GIG COVERAGE
Built for the way you actually work.
If you are a 1099 sales pro, a contractor on a brand-side bench, a freelancer running a portfolio of clients, or an agency operator with a workforce of independents, the standard group plan was never built for you. Premiums break when the contract ends. Eligibility windows assume W-2 stability. Brokers do not return the call when income shifts mid-year. Coverage built for the actual rhythm of 1099 income is a different product category. Portable by design. Flexible premiums. ACA, short-term, catastrophic, association plans, life and disability. The options are real, but the right combination depends on what you make, what you owe, and what you can absorb if everything stops at once.
HOW WE WORK IT
The problem. Our solution. So we take this approach.
1.
Here is the problem.
A 1099 workforce got told for years they were on their own. The traditional group plan does not fit. Income arrives in lumps. Contracts end. Eligibility windows close. By the time the standard broker is willing to talk, the coverage gap has already cost somebody real money. An ER visit on a short-term plan with a gap exclusion is a six-figure decision. A disability event with no income-replacement is a household ending. Most 1099 workers remain uninsured or underinsured until something happens. That is not a moral failing. It is a market failure.
2.
We have this solution.
Coverage built for the actual rhythm of 1099 income. Portable by design. The coverage moves with the person, not with the contract. ACA marketplace plans with subsidies when the income side qualifies. Short-term medical when the gap is short and the budget is tight, with the gap exclusions named openly. Catastrophic plans that pair with an HSA for tax-favored medical-and-retirement savings. Association health plans when the 1099 affiliation qualifies. Aggregated buying power across a 1099 network when that is what the situation needs. Income-replacement disability for 1099 sales pros where the income volatility is the actual risk. Plain language about what is actually covered, when, and what isn't.
3.
So we take this approach.
We talk to the operator running the 1099 workforce. We talk to the individuals inside it. We map the income rhythm. We map the coverage gaps. We map the survivability windows. We bring the carrier options and the tradeoffs in plain language. ACA with subsidy versus short-term with gap exclusions. Catastrophic plus HSA versus traditional individual coverage. Association plan versus aggregated buying-power versus standalone. The tradeoffs named, the math shown, you decide. We document. We handle the renewals and the contract-end moments. Same humans, every year.
The first call runs about thirty minutes. We map your situation, your income rhythm, your current gaps. If the fit is real we go deeper. If it is not we tell you who we trust instead.