Health Insurance for Self-Employed Parents: What No One Talks About

You’re juggling clients, kids, and keeping everyone fed—and now you’re supposed to figure out health insurance too?

Most self-employed parents are trying to do the impossible: provide for their families, grow their business, and still make smart healthcare decisions... all without an HR department or paid time off.

You want your kids covered. You want to avoid surprise medical bills. But you also want to keep costs in check so your business—and family—can thrive.

At Mere, we know what it’s like to be self-employed and raising a family. We help you find real options without the guesswork.

Your family deserves more than a patched-together plan.

From one parent to another—we get it. You're not just buying coverage; you’re buying peace of mind for the people you love most.

What Makes This So Complicated?

• Income fluctuates—and that affects your subsidy eligibility

• Kids may qualify for Florida KidCare while you don’t

• Your spouse might have job-based coverage that’s too expensive for the family

• You might not know if you're supposed to apply as a household or an individual

• You may qualify for a Special Enrollment Period (SEP) and not even realize it

We break it all down and help you build a plan that fits your life.

Common Scenarios We See (And Solve):

• A parent loses coverage after leaving their corporate job

• Kids qualify for KidCare, but the parent needs a PPO or alternative

• One spouse has group coverage, but adding the family is unaffordable

• Income is "too high" for Medicaid but still not enough to afford unsubsidized plans

• A family doesn’t know how to report income correctly and risks losing their subsidy

Here’s the Plan:

1. Schedule a free consultation with our team

2. Bring your questions—we’ll walk through everything together

3. Explore plans based on your real income, family needs, and goals

4. Get covered without the overwhelm

You shouldn’t have to choose between caring for your family and growing your business.

Let us help you take health insurance off your plate—so you can focus on what matters most.

Call or text (904) 654-5450 or visit www.merebenefits.com to get started.

Frequently Asked Questions

I’m self-employed—how do I estimate my income?

You’ll use your estimated Modified Adjusted Gross Income (MAGI) for the year. We’ll help you understand what to include—but always consult a tax professional for detailed advice.

My income fluctuates. What if I estimate wrong?

You can update your income during the year. If you underestimate, you may repay some of the subsidy. If you overestimate, you might get a refund at tax time.

Can my kids qualify for KidCare if I’m self-employed?

Yes—Florida KidCare offers low-cost coverage for children regardless of your employment status. If you’re denied or fall into a gap, we’ll help with next steps.

What if I missed Open Enrollment?

You may qualify for a Special Enrollment Period—especially if you’ve had a recent life change. We’ll help you check your eligibility.