No Employer Benefits? We Can Help.
If you're self-employed, a 1099 contractor, gig worker, or small business owner — we help you compare health, dental, life, and supplemental coverage options. No pressure. No obligation.
Licensed insurance guidance. Plain-English explanations. Options vary by state, carrier, and eligibility.
This Page Is for You If…
You work for yourself — or you simply don't receive health benefits through an employer. If any of these sound like you, we can help you review your options.
Self-Employed Workers
You run your own business and handle your own benefits
1099 Contractors
You receive 1099 income and don't get benefits from a client or employer
Small Business Owners
You own a business but don't have a group plan for yourself
Truck Drivers
Owner-operators and independent drivers without employer coverage
Realtors
Commission-based agents and brokers who cover their own benefits
Barbers & Stylists
Booth renters and independent salon professionals
Freelancers & Consultants
Project-based professionals across any industry
Gig Workers
App-based and platform workers without employer benefits
Coverage Areas We Help You Compare
Knox Life Solutions is an independent insurance agency. We work with multiple carriers to help you review options — not just one company's plans. Availability and eligibility vary by carrier, state, ZIP code, and individual circumstances.
🏥 Health Insurance
Individual and family health plans that may be available based on your ZIP code, income, and household size
🦷 Dental & Vision
Standalone dental and vision plans that may be added separately from health coverage
💰 Life Insurance
Term and permanent life options to help protect the people who depend on you
🛡️ Supplemental Plans
Accident, critical illness, and hospital indemnity plans that may help fill coverage gaps
👨👩👧 Family Coverage
Plans that may extend to a spouse, children, or dependents — eligibility varies
💵 Multiple Price Points
We compare options across carriers — no guaranteed pricing or savings
💊 Prescription Coverage
Plans with drug coverage may be available depending on your situation and state
🏢 Individual & Private Plans
Options for people who don't have access to employer-sponsored coverage
The Reality of Working Without Employer Benefits
Health Coverage — A single health event without coverage could mean significant out-of-pocket costs
Dental Care — Dental is typically not included in health plans and may need to be arranged separately
Prescriptions — Drug coverage options vary by plan, carrier, and state — review what may be available
Accident Protection — Supplemental accident plans may help cover unexpected injury costs — eligibility varies
Income Protection — If you can't work, disability options may help replace a portion of your income — eligibility varies by carrier
Family Protection — Life insurance options may help provide for your family — coverage and eligibility vary
Coverage options, costs, and eligibility vary by carrier, state, plan type, and individual circumstances. Nothing on this page constitutes a guarantee of coverage, approval, or benefits.
Get a Free Coverage Review — No Obligation
Tell us a little about your situation — your ZIP code, age, household, and coverage needs — and a licensed agent will help you review options that may be available to you. No sales pressure. No commitment required.
By submitting, you may be contacted by a licensed insurance agent. Options vary by carrier, state, ZIP code, and individual circumstances. This is not a guarantee of coverage or enrollment.
Common Things People Ask About
Every situation is different. Here are some of the coverage areas people commonly ask about when they don't have employer benefits. A licensed agent can help you understand what may be available in your area.
🩺 Doctor Visits — Coverage for routine checkups and specialist visits may be available depending on your plan and network
💊 Prescriptions — Prescription drug benefits vary by plan, formulary, carrier, and state
🌿 Preventive Care — Some plans may include preventive services at no additional cost — availability varies
🦷 Dental Care — Standalone dental plans for individuals and families may be available in your area
👁️ Vision Care — Vision coverage may be available as a standalone plan or rider — options vary by carrier
🚑 Emergency Coverage — Emergency and urgent care coverage options vary by plan type, carrier, and state
👨👩👧 Family Plans — Coverage that may extend to a spouse, children, or dependents — eligibility and availability vary
💰 Life Insurance — Term and permanent life insurance options may be available to help protect your family
Frequently Asked Questions
Can self-employed workers get health coverage?
Yes. Self-employed and 1099 workers may have access to different health coverage options depending on their state, ZIP code, income, household size, eligibility, and coverage needs.
Can I get coverage if I do not have employer benefits?
Yes. Many people who do not receive employer benefits review individual, family, private, marketplace, short-term, dental, life, or supplemental options depending on availability and eligibility.
Can I include my family?
Family coverage may be available depending on the plan type, carrier, state, household details, and eligibility.
Can I compare dental and life insurance too?
Yes. Knox Life Solutions can help review health, dental, life, final expense, and supplemental options based on your situation.
How do I know which option is best?
A licensed insurance agent can help compare plan benefits, costs, networks, prescriptions, coverage limits, and eligibility so you can make a more informed decision.
Ready to Review Your Options?
Get help comparing coverage options for your self-employed or 1099 situation. A licensed agent is ready to assist — no obligation, no pressure.
Knox Life Solutions is a licensed insurance agency. Product availability, benefits, premiums, and eligibility vary by carrier, state, ZIP code, and individual circumstances. This is not a guarantee of coverage, savings, or approval. © 2025 Knox Life Solutions. All rights reserved.
Knox Life Solutions
Independent Licensed Insurance Agency · Serving Families, Seniors & Business Owners.
Contact Us
Phone: 813-825-0506
Email: Info@KnoxLifeSolutions.com
Hours: Mon–Fri, 9am–6pm ET
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Legal & Info
Knox Life Solutions is licensed to sell insurance products. License numbers vary by state.
Knox Life Solutions is a licensed insurance agency. Not affiliated with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Plan availability and carrier/product representation may vary by ZIP code, county, and state. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
© 2026 Knox Life Solutions. All rights reserved.