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Affordable Health Coverage for YOU

If you are self-employed, a 1099 contractor, between jobs, or covering your family on your own, we understand the marketplace can be confusing, overwhelming, and financially concerning. Journey Health Advisors serves as your independent health benefits ally – helping individuals and families access quality care that meets their needs without overspending. We provide sustainable health coverage strategies that protect your health, your income, and your peace of mind.

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Find the Right Plan for Your Family

Healthcare shouldn’t be complicated. Use our quick estimator to see real-time rates and coverage options tailored to your family’s needs and budget.

  • Instant Estimates:
No waiting for a callback.
  • Personalized Results:

Based on your specific zip code and family size.

  • Zero Commitment:
Explore your options with total privacy.
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Who We Help

Health Insurance for Individuals, Families & 1099 Workers

  • Self-employed professionals
  • 1099 contractors and freelancers
  • Small business owners
  • Families not eligible for employer coverage
  • Individuals losing employer-sponsored insurance
  • Those seeking COBRA alternatives through a job transition
Whether you’re an entrepreneur, consultant, tradesperson, or independent contractor, your health coverage should work for your lifestyle, not against it.

The Problem

Why Individual Health Insurance Feels So Expensive

The system was not designed with independent workers in mind, causing families to often carry the financial burden.
You shouldn’t have to choose between protection and affordability.

  • Many individuals face:
  • High marketplace premiums
  • Limited provider access
  • Deductibles that feel unreachable
  • COBRA plans that strain family budgets
  • Coverage structures that prioritize billing over care

What We Do

A Smarter Approach

  • Journey Health Advisors evaluates multiple types of sustainable, individual health insurance plans, including:
  • A proven, structured health access model
  • Direct Primary Care integration
  • Catastrophic protection strategies
  • Flexible coverage structures for income and risk

Health Insurance for 1099 & Self-Employed Professionals

Coverage Designed for Independent Workers
  • If you are a contractor or self-employed, you likely face:
  • No employer subsidy 
  • Volatile income 
  • Limited tax guidance on health expenses 
  • High deductibles with little preventative care access 
  • We specialize in helping 1099 professionals access sustainable coverage strategies that:
  • Protect against major medical events 
  • Encourage proactive primary care 
  • Reduce unnecessary premium inflation 
  • Provide predictable monthly budgeting 

We help individuals overcome healthcare insecurity.

Leaving a Job? You Have Options.

COBRA can be expensive; especially when you are covering your full premium without employer contributions. We help individuals evaluate alternatives that are sustainable and retain quality.

Learn more


  • We believe healthcare should be:
  • Accessible
  • Affordable
  • Patient-centered
  • Built on freedom of choice
  • Not just a bandage to deeper-rooted issues

Our Philosophy

Healthcare with Freedom of Choice that Supports Healthy Lifestyles

We are not tied to insurance carriers like traditional brokers. 
We are advocates for individuals and families navigating a complex system.

Why Work With Journey Health Advisors?

Independent. Unbiased. Focused on You.

Our role is not to sell you a policy. It is to help you build a health coverage strategy you understand and feel confident about.
  • At Journey Health Advisors, we:
  • Provide objective guidance
  • Compare multiple structural approaches
  • Educate before recommending
  • Prioritize sustainability over short-term sales

Individual & Family Health Insurance FAQ

What are health insurance options for 1099 employees?

Independent contractors can explore marketplace plans, non-traditional health coverage models, Direct Primary Care memberships, and catastrophic protection strategies. The right approach depends on income, health needs, and risk tolerance.

Yes. Many individuals find lower-cost and more flexible options outside of COBRA. A side-by-side comparison is important before making a decision. Learn more here.

Some solutions include traditional insurance components, while others use alternative structures. We review all compliant options and explain how each works so you can make an informed decision.

For many families, Direct Primary Care provides improved access to physicians, reduced urgent care visits, and more predictable healthcare spending.

Coverage Should Protect and Empower Your Health Without Threatening Your Finances

You deserve an ally.
Let’s find a sustainable health coverage strategy that works for your life.

Schedule Your Individual Consultation