Question 1

I'm a 1099 sub — what kind of plan do I need?

Accepted Answer

Most 1099 construction subs qualify for ACA marketplace plans. Your individual or family plan is independent from any GC. We help you pick the network, deductible, and out-of-pocket cap that fits your trade and your income.

Question 2

Can I deduct health premiums on Schedule C?

Accepted Answer

If you're a 1099 sub filing Schedule C and not eligible for a spouse's employer plan, the self-employed health insurance deduction lets you write off premiums above-the-line. We can point you to a CPA who works with construction subs.

Question 3

Back, knee, shoulder injuries — what's covered?

Accepted Answer

Standard ACA plans cover diagnostic imaging, PT, chiropractic, and orthopedic specialists. Some plans waive the deductible for PT visits. We pre-filter for plans strong on musculoskeletal care.

Question 4

I work multi-trade — does that matter for coverage?

Accepted Answer

It doesn't affect your eligibility — but it does affect network. We look for plans with broad in-network coverage across the regions you work, so a job 90 miles away isn't suddenly out-of-network.

Question 5

Workers' comp vs. health insurance — what's the difference?

Accepted Answer

Workers' comp covers injuries that happen on the jobsite. Health insurance covers everything else — chronic conditions, off-hours injuries, family care, prescriptions, preventive visits. You need both.

Question 6

My income swings hard job-to-job — ACA subsidies?

Accepted Answer

ACA subsidies recalculate based on annual income, and you can update your estimate any time. We help you estimate conservatively so you don't owe at tax time, and adjust mid-year if work picks up or slows.

Question 7

Family coverage through my sub business?

Accepted Answer

Yes. ACA family plans cover spouse and kids under one premium, and the subsidy uses household income. Some subs qualify for $0-premium kids' coverage through CHIP even when the parent's plan has a premium.

Question 8

I have 2-3 guys working under me — group plan?

Accepted Answer

If they're W-2 employees, you may qualify for a small-group plan starting at 1+ employees in some states. If they're 1099 themselves, each gets their own individual plan — but we can quote everyone together.

Health coverage
for the subs
who get the
job done.

The work is hard.
Coverage shouldn't be.

Your body takes a beating

GCs don't cover 1099 subs

Multi-trade subs need flexibility

Income varies by job

Trades we cover.

Drywall installers

Framers

Finish carpenters

Concrete finishers

Masons

Demolition crews

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Stories from subs.

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Questions from subs.

Field guides.

Construction sub health insurance: 2025 field guide

Schedule C deductions for 1099 subcontractors

Multi-trade subs: how income variation affects ACA

Health coveragefor the subswho get thejob done.

The work is hard.Coverage shouldn't be.