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Daniels Health Advisors
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Plumber tightening the drain pipe under a kitchen sink

For plumbers · Licensed in 30+ states

Health insurance
for plumbers.

Health insurance for plumbers, pipefitters, and their families. It's personal coverage, not liability or workers' comp for your business. Union plumbers should review their union plan first.

  • Private & Secure
  • Fast Response
  • No Spam Calls

On call again?

Nights, weekends,
and income that moves.

Plumbing pays well, but the hours and the income can jump around. Three common questions about plumbers' coverage:

I'm on call nights and weekends.

The Bureau of Labor Statistics says plumbers are often on call, and evening and weekend work is common. Look for care that fits odd hours, like urgent care near you. Check what each plan offers.

My income changes every year.

Marketplace help is based on what you expect to earn in the year you want coverage. If you earn more than you guessed, you may owe money back. Under current law, starting with 2026 taxes, there is no cap on that payback.

I want to start my own shop.

About 8% of plumbers are self-employed, and some start their own business. Before you give notice, ask us about timing. Losing job-based coverage usually opens a special enrollment period.

Close-up of a plumber's hands fitting a sink drain connection

Plumbing by the numbers

Good pay, close
to the tax credit line.

Pay data is national, from the Bureau of Labor Statistics. The Census counts plumbing and HVAC businesses together.

$63,800

was the median yearly pay for plumbers, pipefitters, and steamfitters in May 2025.

$63,840

is 400% of the 2026 poverty line for one person. As of October 1, 2026, under current law, tax credits for 2027 plans generally stop above about this income.

189,085

one-person plumbing and HVAC businesses in the U.S. in 2024. The Census counts the two trades together.

20,993

one-person plumbing and HVAC businesses in Florida in 2024, including 1,133 in Orange County.

3.0

injuries and illnesses per 100 full-time workers at plumbing and HVAC contractors in 2024. All private jobs: 2.3.

42,000

plumber job openings are expected each year from 2025 to 2035.

Sources: BLS Occupational Outlook Handbook, plumbers (May 2025 pay); HHS 2026 poverty guidelines; Census Nonemployer Statistics 2024; BLS injury and illness rates, 2024. Your tax credit depends on your household income and size, not just your pay.

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

Licensed help
with the numbers.

Daniels Health Advisors is an independent brokerage. Our home base is Central Florida, and Paul is licensed in 30+ states. For plumbers, the big question is often income: where does your household land against the tax credit line? We work that out first. If your income is above the line, we can also show private PPO vs Marketplace side by side. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

Married? Your spouse's income counts too. If your spouse can get family coverage through work, that usually affects your tax credit. Married couples generally must file taxes jointly to get the credit. We look at the whole household.

  • Clear numbers for your whole household
  • 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
clear numbers.

Share your household

Tell us who lives with you, their ages, your zip code, and household income, including a spouse's.

We run the tax credit check

We see where your household lands, and whether a spouse's job plan changes things.

Compare side by side

Marketplace and private options together, with what you would pay when you need care. You decide.

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

Know your numbers
before you sign up.

When your income is near the line, a small change can mean getting a tax credit or not. We help you estimate carefully. Here is what you will walk away with:

  • A careful income estimate for the year
  • A clear answer on tax credits for your household
  • Marketplace and private options side by side
  • A reminder to update your income if it changes

Straight answers

Plumber health insurance questions.

Will this cover my plumbing business?

No. This is personal and family health insurance. Liability and workers' comp protect a business, and they are sold separately. Ask a business insurance agent or the Florida Division of Workers' Compensation about those.

I'm in a plumbers' union. Where do I start?

With your union plan. Find out what it covers for you and your family. If you are between jobs or not covered, we can compare Marketplace plans.

What if I earn more than I expected?

Update your Marketplace application as soon as you can. Under current law, starting with 2026 taxes, if you got more tax credit than you qualify for, you pay back the full extra amount. There is no cap.

Does the Census really lump plumbers and HVAC together?

Yes. Census business counts use one industry group for plumbing, heating, and AC contractors. That is why our business numbers say plumbing and HVAC.

My family lives in another state. Can you help?

Tell us the state first. Paul is licensed in 30+ states, so there is a good chance we can. If not, we will say so.

Who did you write this page for?

We wrote it with plumbers, pipefitters, and their families under 65 in mind.

Related guides

Industries we serve HVAC health insurance Electrician health insurance Self-employed health insurance Private PPO vs Marketplace Nationwide private PPO Lost your job's health plan? Areas we serve

Licensed in 30+ states

Let's check
your numbers.

Book a free 15-minute call to run your numbers, 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.