Two construction workers checking a measuring tape at an outdoor job site

For general contractors & builders · Licensed in 30+ U.S. states

Health insurance
for contractors.

Coverage for you and your family, whether you run jobs as a GC or work sites as a 1099 sub. This page is about your own health plan, not your business policies.

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No Spam Calls

On the job site

Draws, deposits,
and dry spells.

Construction pay comes in lumps, and the work is tough. Three common questions from contractors:

My income comes in big draws.

Job payments can land months apart. The Marketplace looks at your full-year net profit, so add up what you expect for the whole year, minus job costs.

One bad fall could wipe me out.

Construction work can be risky, and one bad fall can bring big medical bills. A plan with an out-of-pocket limit caps what you pay for covered care in a year.

I am a sub, not an employee.

If you get a 1099, you are likely self-employed. The GC's plan, if it has one, usually does not cover you, so you choose your own.

Construction worker in safety gear shoveling sand at a work site

How contractor income works

Bids, draws, and retainage.

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

GCs often get paid in draws as a job moves along. Some of the money can be held back until the job is done.
Materials and subs can eat most of a draw. Your net profit, not the job price, is what counts.
Permits, licenses, bonds, and truck costs can lower your net profit. A big job that ends in January may land in a different tax year.

Construction in numbers

Lots of builders
work for themselves.

401,100

construction laborers worked for themselves in 2025.

27%

Share of all construction laborers who were self-employed (2025).

427,500

Self-employed construction laborers expected by 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

A broker who gets
how jobs pay.

Paul Daniels leads Daniels Health Advisors, an independent brokerage licensed in 30+ U.S. states. Builders tell us their year in draws, and we turn that into an income figure for health coverage. Marketplace plans come first when tax credits may apply. Strong year? We can also go over 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.

In Florida, contractors are licensed by the Construction Industry Licensing Board. That license and your business policies are separate from your personal health plan. The plan is where we help.

Straight answers between jobs, no pressure
Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
Free to you. Carriers pay us, not you.

Your first call

Contractor coverage in three steps.

Give us your job pipeline

Signed jobs, expected draws, and what goes to subs and materials.

We estimate net profit

That figure, not gross contract value, drives any tax credit.

Compare and decide

Check deductibles against the cost of a real injury before you pick.

Book a 15-minute call

Recommended on Facebook

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 your next bid

Plan your coverage
like you plan a job.

Builders who count a slow quarter as the whole year can end up paying credits back. Under current law, starting with 2026 taxes, there is no cap on that payback. Plans with tight networks can leave out the orthopedic doctor or urgent care near your site. You will finish the call with:

A net profit estimate tied to your job schedule
Deductibles and out-of-pocket limits laid out clearly
Nearby urgent care and orthopedic doctors checked
A calendar note for open enrollment and renewals

A checklist for

Contractors between projects.

Big draws that land in a new year count in that year. Plan your estimate around when cash arrives.
If a GC classifies you as a 1099 sub, you are usually on your own for coverage.
Keep your family on one plan when you can, so deductibles are simpler to track.
A sudden injury can open short gaps in income. Report income changes if you get tax credits.

Contractor questions

Contractor health insurance FAQ.

Does this cover my crew or my company?

No. This page is about personal and family health insurance. It is not workers' comp or liability. In Florida, construction businesses with 1 or more employees generally must carry workers' comp. Ask a business insurance agent or the Florida Division of Workers' Compensation what applies to you.

I also manage jobs. Am I a contractor or a manager?

For health insurance, it does not matter much. What matters is whether you have job-based coverage, your household, and your income.

My spouse has a job plan. Should I join it?

Maybe. Compare the cost to add you with the cost of your own plan. If the job plan counts as affordable, you may not get Marketplace tax credits.

I get paid when the job closes out. How do I plan?

List each job with the month you expect final payment. Add the net profit from each, then total the year. If a closeout slips into the next year, adjust your estimate.

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 12, 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 check HealthCare.gov. 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 before
the next big job.

Book a free 15-minute call from the site, 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 contractors.

Draws, deposits,and dry spells.