Caldex Health · Oviedo, Florida
Self-employed in Orlando? Coverage that fits how you work.
No HR department means you're on your own for health insurance. We help Orlando-area freelancers, contractors, realtors, gig workers and business owners compare every option and pick what fits their budget.
How we can help
Marketplace plans
Comprehensive ACA coverage, with a subsidy if your income qualifies.
Private plans
Short-term medical and fixed indemnity options that can cost less for healthy people above subsidy levels.
Health sharing and add-ons
Health sharing programs, dental, vision, accident and disability coverage.
Why self-employed coverage is different
Your income may change month to month, which affects any Marketplace subsidy. You may also be paying the full premium yourself for the first time. That's why it pays to compare more than one type of plan before you choose.
For 2027, the extra federal premium help ended and Florida's average Marketplace premiums rose about 10.4% before subsidies, so many self-employed Floridians are seeing much higher prices. A side-by-side review shows you what's actually available at your income and age.
Private plans: know the trade-offs
Short-term medical and fixed indemnity plans are not ACA plans. They can cost less, but they may exclude pre-existing conditions and don't cover everything a Marketplace plan does. Health sharing programs are not insurance. We explain each one plainly so you can decide.
Common questions
Can self-employed people get a subsidy?
Yes, if your expected income qualifies. We help you estimate it and show plans with and without a subsidy.
Can I deduct my health insurance?
Many self-employed people can deduct premiums, but it depends on your situation. Check with your CPA, and we're happy to coordinate with them.
What if my income changes during the year?
Report changes to the Marketplace so your subsidy stays accurate. We'll walk you through it.
Find coverage that fits your work
Free, no pressure, and you'll talk to a licensed advisor, not a call center.
Book a free 30-minute review