Built For Physical Work
Health Insurance for Independent Tradespeople & Contractors
Electricians, plumbers, and contractors run their bodies at work every day. Coverage that's thin on orthopedic and urgent care access doesn't actually fit the job.
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Physical work means a different kind of risk
A desk job and a job site don't carry the same odds of needing an orthopedic specialist or urgent care. We weight network access toward the kind of care tradespeople actually use.
Solo operator or small crew — different math
Covering yourself alone looks nothing like covering a 2-3 person crew. We price both paths out before you decide which one makes sense.
No benefits plan, no problem
Running your own trade business usually means building benefits from scratch. That's the default here, not an edge case.
Who this is for
- Electricians, plumbers, HVAC techs, and other licensed trades running their own business
- Solo operators and small crews (1-3 people) without a company benefits plan
- Tradespeople who've gone years without coverage because shopping for it felt like a hassle
- Anyone who wants a plan that holds up if a job-site injury happens
What we compare for you
- Private PPO plans with strong orthopedic, urgent care, and specialist access
- Marketplace subsidized plans compared directly against private options
- Coverage options sized for a solo operator vs. a small crew
- Plans that don't penalize you for physically demanding work
Plan availability, networks, and eligibility vary by carrier, state, and applicant. We review the actual plan documents with you before you decide.