HVAC technician checking refrigerant pressure with a gauge set on a rooftop air conditioning unit

For HVAC techs & owners · Licensed in 30+ states

Health insurance
for HVAC pros.

Health coverage for you and your family, whether you work for a shop or run your own. This page isn't about business liability or workers' comp. Union member? Look at your union plan first.

Private & Secure
Fast Response
No Spam Calls

Sound familiar?

Long seasons. Late calls.
A hard job on your body.

HVAC work is busy, physical, and the hours can swing. Three common questions about coverage for HVAC work:

My hours change with the weather.

The Bureau of Labor Statistics says HVAC techs are often on call and work overtime in peak heating and cooling seasons. Marketplace help is based on what you expect to earn for the whole year. Make a careful guess, and update it if things change.

My job is hard on my body.

The Bureau of Labor Statistics says HVAC techs have one of the highest rates of injuries and illnesses of all jobs. So pick a plan you can really use. Check the doctors and urgent care near you before you buy.

I want to go out on my own.

Most HVAC techs work for contractors. About 6% are self-employed. Leaving a job that gave you health coverage? That can open a special time to sign up for a new plan.

HVAC technician kneeling on a rooftop, reading a manifold gauge set beside his toolbox

HVAC by the numbers

A fast-growing trade,
mostly small shops.

National job data from the U.S. Bureau of Labor Statistics, plus Census and Florida data.

$61,010

was the median yearly pay for HVAC techs in May 2025. Half earned more and half earned less.

+11%

job growth is expected for HVAC techs from 2025 to 2035. That is much faster than average.

68%

of HVAC techs work for plumbing, heating, and AC contractors. About 6% are self-employed.

440,900

HVAC tech jobs in the U.S. in 2025, with about 40,600 openings a year expected.

62%

of Florida plumbing and HVAC business locations had fewer than 5 employees in 2023.

1.6x

Florida has about 1.6 times the national share of jobs at home plumbing and HVAC contractors (2025).

Sources: BLS Occupational Outlook Handbook, HVAC mechanics and installers (May 2025 pay, 2025–2035 outlook); Census County Business Patterns 2023; BLS Quarterly Census of Employment and Wages 2025. These pay figures are for the whole U.S. What you pay for a plan depends on your age, zip code, household, and income.

Paul DanielsLicensed health advisor · NPN 20986580

How we help

Licensed help with
your own health plan.

Daniels Health Advisors is an independent brokerage with a home base in Central Florida, licensed in 30+ states. For HVAC techs and owners, we compare personal and family plans, starting with the Marketplace, where tax credits may apply. Earn too much for help? 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.

In Florida, AC contractors get their license from the state's Construction Industry Licensing Board. Your health plan is a separate thing, and that is where we help.

Straight answers for busy techs, no pressure
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, one short call.

Tell us about your household

Share ages, your zip code, and a full-year income guess that counts busy and slow seasons.

We check for tax credits

Marketplace help comes first. We also ask if you have a union plan.

Compare and pick

See plans side by side, with doctors and urgent care near your service area checked. You choose.

Book a 15-minute call

Free · No obligation · About 15 minutes

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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

What you get

Coverage that
fits your season.

Guess your income too low, and you may owe money back at tax time. Under current law, starting with 2026 taxes, there is no cap on that payback. Skip the network check, and your doctor may not be in the plan. When we are done, you will have:

A careful income estimate, even with busy and slow seasons
Marketplace and private options side by side
Your doctors and nearby urgent care checked in each plan
Key dates on your calendar, like open enrollment

Straight answers

HVAC health insurance questions.

Does this cover my HVAC business or my workers?

No. This page is about personal and family health insurance. Health insurance and workers' comp do different jobs, and one does not replace the other. In Florida, construction businesses with 1 or more employees generally must carry workers' comp, and some owners can file for an exemption. Ask a business insurance agent or the Florida Division of Workers' Compensation what applies to you.

I'm a union HVAC tech. Do I need this?

Start with your union plan. About 1 in 8 workers in installation, maintenance, and repair jobs were union members in 2025. If your hours drop or you go out on your own, call us and we will compare other 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.

I'm leaving my HVAC job. Do I have to wait to get a plan?

Often not. Losing job-based coverage can open a special time to sign up. If you miss it, open enrollment for 2027 plans runs Nov 1, 2026 to Jan 15, 2027.

I take jobs in more than one state. Can you help?

Tell us where you live and where you work. Paul is licensed in 30+ states, and we will check plan networks in the places you spend time. Near Orlando? See areas we serve.

Who is this page for?

This page focuses on HVAC workers and their families under 65, from new techs to shop owners.

Licensed in 30+ states

Get covered before
the next busy season.

Book a free 15-minute call between service calls, or start 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 HVAC pros.

Long seasons. Late calls.A hard job on your body.

A fast-growing trade,mostly small shops.

Licensed help withyour own health plan.