Mechanic in blue coveralls checking an engine with a tablet

For auto techs & shop owners · Licensed in 30+ U.S. states

Health insurance
for mechanics.

Coverage for you and your family, whether you work flat rate in a shop, run a mobile service, or own the garage.

Private & Secure
Fast Response
No Spam Calls

Under the hood

Flat rate.
Busted knuckles. Your own bay.

Repair work is skilled and physical, and pay can swing. Three questions mechanics ask:

Flat-rate pay changes every week.

When the shop is slow, so is your check. Make a careful full-year income guess, and update it if things change.

My tools cost a fortune.

If you are self-employed, tools and a service truck can be business costs. They can lower your net profit. Ask your tax pro.

The work is hard on my back and hands.

Lifting, kneeling, and working under cars add up. Check that the doctors you want are in each plan's network.

Mechanic looking under the hood of a car in a repair shop

How mechanic income works

Flagged hours, labor rates, and parts.

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

Flat-rate techs get paid by the job's book time, not hours on the clock. A slow week means a smaller check.
Shop owners earn from labor and parts markup, minus rent, lifts, and software.
Mobile mechanics drive to each job. Their van, fuel, and tools can count as business costs.

Auto repair in numbers

About one in seven
mechanics is self-employed.

120,400

Self-employed automotive service technicians and mechanics, U.S., 2025.

15%

of automotive service technicians and mechanics ran their own work in 2025.

119,100

BLS projection for self-employed automotive service technicians and mechanics, 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

Licensed help
for auto techs.

Paul Daniels owns Daniels Health Advisors, an independent brokerage licensed in 30+ U.S. states. Shop techs, mobile mechanics, and garage owners talk to us about their own health plans. Marketplace plans with tax credits come first. If you flag big hours all year, 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.

Shop owners who hire can also look at group plans. For now, we compare personal and family plans for you and your household.

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.

Your first call

Mechanic coverage in three steps.

Tell us your hours

Flagged hours, labor rate or split, and tool payments.

We figure the help

We look at net pay and any shop plan before we suggest anything.

Compare plans that fit

Check clinics near your bay and costs for back or hand care.

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 teardown

Coverage that
keeps you running.

Flat-rate pay can jump in busy months, and your credit may change with it. Under current law, starting with 2026 taxes, there is no cap on that payback. We also check that the doctors you want are in each plan. When we are done, you will have:

An income estimate from your flagged hours
Tool truck payments split out if you are self-employed
Clinics near your shop checked
Your enrollment and renewal dates noted

A checklist for

Techs going mobile or opening a shop.

Leaving a dealership plan can open a special time to sign up.
A mobile van, fuel, and tools may count as business costs.
If you hire techs, ask about group plans and workers' comp separately.
Keep a log of jobs and pay each week.

Mechanic questions

Mechanic health insurance FAQ.

I work at a dealership. Do I need this?

Start with the dealership plan if it offers one. If it does not, or you go out on your own, call us and we will compare other options.

I run a mobile repair business. Can you help?

Yes. Mobile mechanics are usually self-employed. We will help you guess your net profit and compare plans.

Does this cover my shop or my workers?

No. This page is about personal and family health insurance. It is not garage liability or workers' comp. Ask a business insurance agent what your shop needs.

I get paid for warranty work at a lower rate. Does that matter?

It can. Warranty jobs often pay fewer flagged hours. Use your real yearly pay, not your best week, when you guess income.

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 big repair.

Book a free 15-minute call between jobs, 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 mechanics.

Flat rate.Busted knuckles. Your own bay.