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In short Coverage options Plan for irregular income Know the cash prices Set aside a health fund Choose the right setting If you get a big bill Common questions SourcesGig work usually means no employer plan and irregular income. You can still plan: look at the Marketplace and Medicaid, set aside money for care, and learn the cash prices for the things you use most.
Coverage options
HealthCare.gov says self-employed people can enroll in the individual Marketplace. Medicaid may be open to you if your income is low enough in your state. See our page on self-employed health insurance options.
Plan for irregular income
Marketplace savings are based on your expected yearly income, and you can update your estimate during the year. Keep records of your income and expenses to make the estimate more accurate.
Know the cash prices
If you pay yourself, price matters. See our visit prices, lab test prices and medication prices. Ask for the self-pay price before any visit, and read how to ask for a discount.
Set aside a health fund
If you have a qualifying high-deductible plan, an HSA lets you save for medical costs tax-free. See using a high-deductible plan and HSA vs FSA. Talk to a tax professional about your own situation.
Choose the right setting
For non-emergencies, telehealth or urgent care costs less than the ER. See telehealth visit cost and urgent care vs the ER.
If you get a big bill
Do not ignore it. See first steps after an ER bill and hospital payment plans.
Pymander is not a replacement for a physician and does not provide medical advice, diagnosis, or treatment.
Common questions
Can gig workers buy a Marketplace plan?
Yes. Self-employed people can use the individual Marketplace.
What if my income changes?
You can update your income estimate on your Marketplace application so savings match.
Do I need to see a doctor for every health question?
No. Many everyday questions can be handled by telehealth or a nurse line, and some need in-person care.
Can I use Pymander?
Pymander can answer everyday health questions and tell you when to seek care. It does not prescribe. Pymander is available in all 50 states.
Pymander is not a replacement for a physician and does not provide medical advice, diagnosis, or treatment.