PPO health insurance and other benefits for the self-employed

Our expert, Ann, says,

"This program brings you a suite of benefits you can't get on your own. Eligible independent contractors and small business owners can access national PPO coverage with premium hospitals and other benefits tailored to their business. You can enroll in this program throughout the year."

Cigna & EmblemHealth PPO Plans

  • Cigna National network (Open Access Plus network)
  • Emblem Health (HIP Prime network)
  • Premier hospitals on both networks
  • Out-of-network coverage

Who Qualifies

  • Independent contractor or small businesses and their employees (if any)
  • Consistent 1099 or business income of at least $2,175/month
  • Located in New York, New Jersey, Connecticut or Pennsylvania
  • Have an EIN for your freelance business (you can get one here for free)

How It Works

  • Hire our partner, a Professional Employer Organization, as your outsourced HR Department and set up monthly payroll
  • As a member of the PEO, you will have access to a suite of benefits, including health insurance, workers comp, and disability insurance
  • Bear in mind that PPO health insurance may be more expensive than the plans that are available on the individual market

Learn more

"Your freelance business must be able to support a monthly payroll of about $2,175/month. The majority of this will pay for benefits, taxes, and fees and some will come back to you as personal income. Speak with one of our partner's experts to design the right package for you."

"Don't think this program is right for you? Enroll in one of our standard health plans, with no minimums or special requirements."