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INDIVIDUAL & FAMILY

Health Insurance for the Self-Employed

Small business owners, gig workers, freelancers — know your Blue Cross and Blue Shield of Texas options. Start planning ahead to renew or enroll during 2026 Open Enrollment, starting Nov. 1.

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Plan Options

What Are My Health Insurance Options If I'm Self-Employed?

If you own your own business or don't get coverage through your employer, find affordable options that fit your life with BCBSTX.

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Gold Level Plans

Gold level plans are great for growing families or those with more health concerns. 

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Silver Level Plans

Keep your costs balanced between health care bills and monthly payments.

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Bronze Level Plans

Save on monthly costs if you don't have dependents or visit the doctor often.

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Self-Employed

Who's Considered Self-Employed?

Maybe you're a small business owner chasing your dreams. Or you want to be your own boss. BCBSTX can help if you're a:

  • Gig worker, like a food delivery, app-based handyman or short-term rental owner
  • Independent contractor, like construction workers, software professionals working independently or employees who doesn't get health insurance as a benefit through work
  • Freelance worker, like designers or photographers
  • Small business owner, like a local construction company owner or store owner who doesn't offer employer coverage

Start thinking ahead for 2026. During Open Enrollment, starting Nov. 1, you can keep the BCBSTX plan you have now or find new coverage.

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Before Shopping

Consider This Before Enrolling

There are a few important things to think about before choosing a plan:

These resources are accurate for 2025 BCBSTX plans. If you're reviewing them before 2026 Open Enrollment begins on Nov. 1, please know they may change.

Start Shopping

Connect With a Health Plan Specialist

Ready to enroll, but have questions? Our Health Plan Specialists are here with answers and advice.

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COBRA

Are You Shopping Because COBRA's Too Expensive?

If you recently lost your job and dream about working for yourself, you don't have to do it alone. BCBSTX individual and family plans can keep your health care covered if COBRA's not in budget.

Compare plan prices and coverage, explore networks and learn if you're eligible for premium tax credit savings. If you've lost or left your job recently, you may be able to pick a plan during Special Enrollment.

Member benefits

The Benefits of BCBSTX Benefits

Learn the benefits of being a BCBSTX member. From comparing your options to using your plan, we're here to make membership easy.

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Flexible Health Coverage

Explore plans with different networks, covered services and costs to find one that best fits your needs.

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Health and Wellness Support

Track your wellness journey with Well onTarget® , earn up to $100 in gift cards annually with Blue Points℠ rewards1 and more.

Explore BCBSTX Benefits
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Easy Online Experience

Pay your bills, check claims statuses and find your member details on our mobile app.

Download Our Member App
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Simple Bill Payments

Safely make one-time and first-time payments and sign up for Auto Bill Pay online.

Explore Our Payment Options

FAQs

Common Questions About Your Coverage

1Well onTarget and AlwaysOn are owned and operated by Onlife Health Inc. an independent company that provides digital health management for members with coverage through Blue Cross and Blue Shield Plans in Illinois, Montana, New Mexico, Oklahoma and Texas. No endorsements, representations or warranties are made regarding third-party vendors and the products and services offered by them.

Blue Points Program Rules are subject to change without prior notice. See the Program Rules on the Well onTarget Member Wellness Portal at wellontarget.com for further information. The Well onTarget member rewards redemption services is provided by an independent third party.