Caregiver combing an older man's hair in a sunny living room

For home health aides, companions & family caregivers · Licensed in 30+ U.S. states

Health insurance
for caregivers.

Coverage for you and your family when you care for others, whether you work through an agency or a nurse registry, for a family that hires you directly, or for a loved one at home.

Private & Secure
Fast Response
No Spam Calls

On every shift

You look after them.
Who covers you?

Caregiving work rarely comes with a full benefits package. Three situations we hear about most:

My clients come through a nurse registry.

Under Florida law, aides, companions, and nurses referred by a nurse registry are independent contractors, not registry employees. That usually means the health plan is up to you.

A family pays me directly.

The IRS says in-home caregivers are often the household employee of the family they work for, though some are not employees. Either way, a family rarely offers a health plan, so a personal plan is the usual path.

I left my job to care for my mom.

Losing job-based coverage can open a special enrollment period. With less income coming in, your tax credit could change. In Florida, household income below the poverty line generally means no tax credit.

Caregiver and an older woman talking at a kitchen table

How caregiving pay works

Shifts, hours, and who pays you.

The Marketplace bases tax credits on your household income for the year you are covered.

Agency caregivers get W-2 pay, and hours can change week to week. Total what you expect for the whole year.
Registry and some private clients pay you as a contractor. Mileage and supplies may lower net profit. Ask your tax pro what counts.
Live-in and overnight shifts add up fast. Count every client in your estimate.

Caregivers in numbers

Self-employed home care,
by the numbers.

141,300

U.S. home health and personal care aides counted as self-employed in 2025.

is the self-employed slice of home health and personal care aides (2025).

163,800

Projected self-employed home health and personal care aides in 2035.

Source: BLS Employment Projections, self-employed workers by occupation (2025 and projected 2035). Group figures only.

Paul DanielsLicensed health advisor · NPN 20986580

Working with Paul

Coverage help for
people who give care.

Paul Daniels owns Daniels Health Advisors, an independent brokerage licensed in 30+ U.S. states. Home health aides, companions, private-duty caregivers, and family caregivers call us when the work comes with no plan, or when they step away from a job to look after someone. Marketplace plans with possible tax credits are usually where we start. If you get little or no tax credit, we can also show private PPO options. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

Many caregivers work for a home health agency on a W-2, but part-time hours may not qualify you for its plan. If an agency does offer you coverage, that can affect whether you get a tax credit. See Marketplace insurance when your job offers coverage.

Answers between shifts, no pressure
Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
You do not pay us for our help. We are paid by the insurance companies when you enroll.

Your first call

Caregiver coverage in three steps.

Tell us how you are paid

Agency W-2, registry contracts, private families, or no pay while you care for a relative.

We total the year

Shift pay, overtime, and a spouse's income become one household estimate.

Choose a plan near home

Compare networks close to where you live and the clients you visit.

Book a 15-minute call

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What people say
about working with us.

“I’ve know Paul for years and definitely trust him in the health advisor dept! Working with small business owners he has been a great partner with explain options and provide solutions!”

Sandra D.
Facebook recommendation

“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

Adil J.
Facebook recommendation

Before you take a new client

Take care of
yourself too.

If extra shifts push your income above your estimate, part of a tax credit can come due when you file. Under current law, starting with 2026 taxes, there is no cap on that payback. We set a careful number with you and revisit it when clients change. You will leave with:

A yearly income estimate across agencies and clients
Work costs like mileage flagged for your tax pro
Any agency plan compared with a Marketplace plan
Doctors and pharmacies checked by network

A checklist for

Caregivers starting with a new client.

Ask whether you will be paid as an employee or a contractor.
Keep a log of hours, pay, and miles for each client.
If an agency offers a plan, write down your monthly cost for employee-only coverage.
Caring for family? Note the date any job plan ends so you can sign up on time.

Caregiver questions

Caregiver health insurance FAQ.

Do caregivers get health insurance through work?

Some do. Agency caregivers may be offered a plan, especially in full-time roles. Registry contractors and many private-hire caregivers buy their own coverage.

A family pays me in cash. What counts as income?

Your caregiving pay counts, whether it comes on a W-2 from the family, on a 1099, or in cash. Add other household income for your yearly estimate, and ask a tax pro how to report it.

I care for a relative without pay. Can I still get coverage?

Yes. Unpaid family caregivers can buy a Marketplace plan. Any tax credit is based on household income, which may include a spouse's pay. Under current law, income below the poverty line generally means no tax credit in Florida. If you just left a job, you may be able to enroll outside open enrollment.

I work for two agencies and one private client. Where do I start?

Start with a full-year estimate of pay from all three, minus any work costs. Then check whether either agency offers you a plan, because that can change your options.

Can I write off my health insurance?

Maybe. If you are self-employed and your business makes a profit, your premiums may be deductible on IRS Form 7206. You can't take it for any month you could get a subsidized job plan, including through a spouse. Ask your tax pro.

Do I have to wait for open enrollment?

For a private plan (not from the Marketplace), you can often apply any time of year. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled. Marketplace plans, and other plans that follow ACA rules, work differently. As of October 16, 2026, under current law, open enrollment for 2027 Marketplace coverage runs from November 1, 2026, through January 15, 2027. A court case about these dates is still on appeal, so confirm the dates before you enroll. To start coverage January 1, pick a plan by December 15 (the deadline under current law). Outside those dates, you may need a qualifying life event, like losing job-based coverage, or another special enrollment period.

Get covered while
you care for others.

Book a free 15-minute call between shifts, or start a quote online.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed insurance agent (NPN 20986580).

Disclaimer

Daniels Health Advisors LLC is an independent brokerage, not a carrier, HealthCare.gov, or CMS. Agent: Paul Daniels, NPN 20986580, Florida license G065122. This page is about personal and family health insurance. It is not business liability or workers' comp insurance. We are not part of any union or trade group. Job and pay numbers are from public government data and describe groups of workers, not you. Tax credits, plans, networks, and prices depend on your state, zip code, income, and household. We never guarantee approval, a doctor, or a price. Not medical, legal, or tax advice.

Health insurancefor caregivers.

You look after them.Who covers you?