House cleaner in a red apron wiping a counter beside a blue bucket

For house cleaners & cleaning businesses · Licensed in 30+ U.S. states

Health insurance
for house cleaners.

Coverage for you and your family when you clean homes on your own, take jobs through an app, or run a small cleaning business.

Private & Secure
Fast Response
No Spam Calls

Home to home

Many homes.
No benefits.

Cleaning is hard work, and many cleaners have no job plan. Three questions we hear:

Clients cancel, and my week shrinks.

Your pay can change when clients move or skip a visit. Make a careful full-year guess, and update it if things change.

My hours are long and physical.

Bending, lifting, and cleaning products can be hard on your body. Pick a plan with doctors you can reach.

I may qualify for a lot of help.

Many cleaners earn amounts where Marketplace tax credits may lower the monthly cost. Some may qualify for Medicaid. We will check.

Cleaner sweeping a kitchen floor with a broom and dustpan

How cleaning income works

Regulars, one-time cleans, and move-outs.

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

Weekly and biweekly clients give steady pay. Deep cleans and move-outs pay more but come and go.
Supplies, gas, and app fees can count as business costs. Keep receipts.
If you hire helpers, your business may need payroll and workers' comp. Your own health plan is separate.

Cleaning in numbers

Lots of cleaners
run their own business.

182,400

maids and housekeeping cleaners worked for themselves in 2025.

14%

Share of all maids and housekeeping cleaners who were self-employed (2025).

188,500

Self-employed maids and housekeeping cleaners 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 licensed broker
in your corner.

Daniels Health Advisors is an independent brokerage licensed in 30+ U.S. states, owned by Paul Daniels. Many cleaners have never had a job plan, so we start from the basics. Marketplace plans come first, and tax credits may apply. If your income is too low, we will tell you if Medicaid may fit better. Higher earners can also see 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.

Daniels Health Advisors compares personal and family plans, starting with the Marketplace, where tax credits may apply. If your income is low, we will tell you if Medicaid may be a better fit.

Straight answers on your schedule, 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

House cleaner coverage in three steps.

List your regular clients

Weekly and biweekly homes, one-time cleans, and any app work.

We check credits and Medicaid

We look at the whole household, including kids who may get CHIP.

Choose what you can use

Compare clinics close to the homes you clean.

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 deep clean

Coverage that
fits your week.

If you add clients mid-year, your credit may change. Report it, or you could owe some back. Under current law, starting with 2026 taxes, there is no cap on that payback. We also check that your doctors are in the plan. You will finish with:

An income estimate based on your client list
A check on whether Medicaid, CHIP, or tax credits may fit
Nearby clinics and pharmacies checked
Reminders for renewal and open enrollment

A checklist for

Cleaners building a business.

Write down each client and what they pay. It makes the income guess easy.
Supplies and mileage can count as business costs.
If a client cancels for good, update your estimate.
As of October 12, 2026, Florida has not expanded Medicaid.

Cleaner questions

House cleaner health insurance FAQ.

I clean through an app. Am I self-employed?

Often, yes. Many apps treat cleaners as independent contractors. If you get a 1099, you usually buy your own plan.

What if I earn too little for tax credits?

In some states, Medicaid may cover you instead. In states that did not expand Medicaid, some adults earn too little for tax credits and too much for Medicaid. Tell us your state, and we will check.

Can my kids be covered too?

Yes. Children may qualify for Medicaid or CHIP even if you do not. We look at the whole household.

I get paid in cash by most clients. Is that a problem?

No, but it all counts as income. A simple notebook or app log of each payment makes your estimate and taxes easier.

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
your next busy week.

Book a free 15-minute call between homes, 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 house cleaners.

Many homes.No benefits.