Molli FAQ: health insurance for 1099 and self-employed people

FAQ

How do self-employed people get health insurance without an employer?

You buy it yourself. That usually means the ACA Marketplace, a plan built for independent workers like Molli, a spouse's employer plan, or COBRA after leaving a job.

What is 1099 health insurance?

It's just health insurance for people paid on a 1099 (independent contractors) rather than as W-2 employees. There's no special "1099 plan" you're required to buy. You purchase coverage yourself.

Is Molli health insurance?

Yes. Molli is an ACA-compliant major medical health plan for 1099 and self-employed people, running on nationwide PPO networks. It's sold off the ACA marketplace, so you can enroll any time of year, but ACA premium subsidies don't apply to it.

Does Molli count as minimum essential or comprehensive coverage?

Yes. Molli is an ACA-compliant major medical plan and counts as minimum essential coverage (MEC), covering the ACA's essential health benefits.

Can I keep my current doctor with Molli?

Molli gives you nationwide PPO access to systems like Johns Hopkins, Mount Sinai, NYU Langone, Stanford, and Cedars-Sinai. To be sure about your own doctor, look them up in Molli's provider search.

How much does self-employed health insurance cost?

It depends on your age, where you live, the plan, and, for Marketplace plans, your income and any subsidies. Compare your real post-subsidy Marketplace quote against a Molli quote, and do it on total cost, meaning the premium plus expected out-of-pocket, not the premium alone.

Is Molli cheaper than an ACA plan?

Molli advertises savings of up to 30% compared with ACA marketplace plans¹. Whether it's cheaper for you comes down to your subsidy eligibility and the care you actually use.

Does Molli cover prescriptions?

Generic prescriptions are $0 through Vitable, along with $0 virtual primary care. Brand and specialty drugs are covered once you meet your deductible, and Molli uses smart PBM sourcing to help bring those costs down even before you get there.

Can I add my spouse or family?

Yes. You can add a spouse and dependents. Family coverage costs more than an individual plan.

Can I deduct my health insurance premiums if I'm self-employed?

Often yes, through the self-employed health insurance deduction, as long as you have self-employment income and meet the rules. Confirm the details with a tax professional.

When can I enroll?

ACA Marketplace open enrollment for 2027 coverage runs November 1 to December 15, 2026. Molli works differently: you can enroll any time of year, with no window and no qualifying life event required.

Can I keep Molli if I take a W-2 job?

Yes. Molli is built to stay with you when you move between 1099 and W-2 work, so you don't have to switch plans every time your work changes.