Health insurance for contractors and tradespeople

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

Missouri

Missouri HVAC and Electrical Contractors: Health Insurance

Missouri lets you keep a small employer's plan on terms modeled on federal COBRA, and every 2026 marketplace plan is an EPO. For HVAC and electrical pros.

Montana

Montana Construction Contractors: Health Insurance 2026

Montana's benchmark premium rose 24.9% for 2026 and one of three marketplace insurers is leaving. A scenario guide for self-employed builders and trades.

Tennessee

Tennessee Contractors and the 37.5% Rate Jump (2026)

Tennessee marketplace prices rose about 37.5% for 2026. A plain scenario guide for contractors and trades paid by the job, with or without a tax credit.

Utah

Southwest Utah Contractors: Health Insurance Costs (2026)

In Washington and Iron counties, three insurers sell marketplace plans and the benchmark runs far above Salt Lake. What southwest Utah contractors can do.

Wisconsin

Wisconsin Contractors and the 30% County Rate Hikes (2026)

One insurer raised 2026 rates 16.6% statewide but over 30% in Jefferson and Walworth counties. A guide for self-employed contractors in southeast Wisconsin.

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