Electrician with a flashlight inspecting the wiring in a home breaker panel

For electricians · Licensed in 30+ states

Health insurance
for electricians.

Personal and family health plans for electricians, apprentices, and one-person shops. Business liability and workers' comp are a different topic. If you're in a union, check your union plan before you shop.

Private & Secure
Fast Response
No Spam Calls

Going solo?

Working on your own
means finding your own plan.

More electricians are running one-person shops. Three common questions for electricians on their own:

I just went out on my own.

You count as self-employed if your business has income but no employees. You can shop the individual Marketplace, like other freelancers. Left a job with health benefits? You may get a special time to sign up.

I'm still an apprentice.

Most electricians train for 4 to 5 years, with about 2,000 hours of paid work each year. Marketplace help is based on what you expect to earn this year. If you get a raise, update your application.

What if I hire a helper?

With 1 or more employees, a small business plan (called SHOP) may be an option. It is a different path from your own plan, and we can walk you through it.

Electrician using a cordless drill to work inside an electrical control panel

Electricians by the numbers

More one-person
electrical shops.

Census and Bureau of Labor Statistics data. Business counts are for businesses with no paid employees.

171,644

one-person electrical businesses in the U.S. in 2024, up about 7.5% from 2023.

20,258

one-person electrical businesses in Florida in 2024.

1,337

one-person electrical businesses in Orange County in 2024, plus 740 in Osceola County.

$63,190

was the median yearly pay for electricians in May 2025.

4–5 years

is the usual apprenticeship, with about 2,000 hours of paid training each year.

16.4%

of workers in construction and extraction jobs were union members in 2025. Most were not.

Sources: Census Nonemployer Statistics 2024; BLS Occupational Outlook Handbook, electricians (May 2025 pay); BLS union membership, 2025. Pay is a national median. Your plan price depends on age, location, household, and income.

Paul DanielsLicensed health advisor · NPN 20986580

How we help

Licensed help for
one-person shops.

We are an independent brokerage, based in Central Florida and licensed in 30+ states. When you work for yourself, there is no HR team to explain health plans. We do that part. We start with Marketplace plans and tax credits. If you earn too much for help, we can also show private PPO options for the self-employed. 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, an electrical contractor's license can cover the whole state or one local area. Health plan networks also vary by plan and area. So we check your doctors in each one.

Easy-to-follow answers for new business owners
Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
Free to you. Carriers pay us, not you.

How it works

Three steps to a plan.

Tell us about you and your shop

Share ages, your zip code, and what you expect your shop to earn this year.

We check your options

Marketplace help first. Hiring soon? We cover small business options too.

Pick your plan

We line up plans with your doctors checked in each one. The choice is yours.

Book a 15-minute call

Free · No obligation · About 15 minutes

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

What you get

Start your business
with a plan in place.

On your own, nobody hands you a benefits packet. We help you sort it out. By the end, you will have:

A clear answer on Marketplace tax credits
A plan for when you hire your first helper
Your doctors checked in each plan
A note on the self-employed tax deduction to bring to your tax pro

Straight answers

Electrician health insurance questions.

Will this cover my electrical business?

No. This is health insurance for you and your family. Business liability and workers' comp are separate, with their own rules. For workers' comp, ask a business insurance agent or the Florida Division of Workers' Compensation.

My union has a health plan. Do I need this?

Maybe not. Look at what your union plan covers first. If you leave a union job or go out on your own, your coverage could change, so talk to us before you switch.

I'm an apprentice. Can I get help paying for a plan?

Maybe. As of October 1, 2026, the extra tax credit help of past years has ended. Under current law, Marketplace tax credits are generally for household incomes from 100% to 400% of the poverty line. For 2027 plans, 400% is about $63,840 for one person, based on the 2026 poverty guidelines. If a job offers you health coverage, you usually can't get the credit.

Can I use an HSA?

Under current law, starting in 2026, bronze and catastrophic plans can be paired with a health savings account (HSA). For 2027, you can put in up to $4,500 for yourself or $9,000 for a family.

I live outside Florida. Can you still help me?

Likely. Paul is licensed in 30+ states. Tell us your state, and we will confirm before we start.

Who is this page written for?

It focuses on electricians and their families under 65, including apprentices and one-person shops.

Licensed in 30+ states

Get your plan
in place.

A free 15-minute call is the fastest way to start. Or get a quote online.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed health 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, pay, and business 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 electricians.

Working on your ownmeans finding your own plan.

More one-personelectrical shops.

Licensed help forone-person shops.