Health insurance for consultants

Guides written for consultants, grouped by state. Plan availability and prices vary by state, so start with the guide for the state you live in.

Colorado

Leaving a Colorado Job to Consult: Health Insurance (2026)

Colorado sells no short-term health plans, and its continuation law needs six months of prior coverage. A scenario guide for consultants leaving a W-2 job.

Health Insurance for Colorado Consultants Who Travel (2026)

Colorado's 2026 marketplace has HMO and EPO plans and no PPO, and full prices rose about 21.2%. How consultants with out-of-state clients choose coverage.

Illinois

Illinois Consultants Who Travel: PPO Health Insurance

On Get Covered Illinois the PPO typically runs about 57% above the lowest silver plan. How self-employed consultants who travel to clients choose coverage.

Kentucky

Kentucky Consultants and the 33.5% kynect Price Jump

Kentucky's benchmark premium rose 33.5% for 2026, kynect has three insurers and every medical plan is an HMO. What 1099 consultants can do, by scenario.

Virginia

Health Insurance for Virginia Consultants Who Travel (2026)

Virginia's marketplace PPO is sold only in a few Northern Virginia localities. How consultants in Richmond and Hampton Roads get coverage that travels.

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