Molli FAQ: health insurance for 1099 and self-employed people
Straight answers about coverage for independent workers — costs, networks, tax treatment, enrollment timing, and how Molli fits next to the ACA Marketplace. Jump to any question below, or start with our self-employed health insurance guide.
FAQ
- How do self-employed people get health insurance without an employer?
- You buy it directly: 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 via 1099 (independent contractors) rather than W-2 employees. There's no special "1099 plan" requirement — 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 year-round, but ACA premium subsidies don't apply to it.
- Does Molli count as minimum essential / 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. Check your specific doctor in Molli's provider search.
- How much does self-employed health insurance cost?
- It depends on age, location, plan, and (for Marketplace plans) income and subsidies. Compare your real post-subsidy Marketplace quote against a Molli quote — on total cost, premium plus expected out-of-pocket, not premium alone.
- Is Molli cheaper than an ACA plan?
- Molli advertises savings of up to 30% vs. ACA marketplace plans¹. Whether it's cheaper for you depends on your subsidy eligibility and the care you use.
- Does Molli cover prescriptions?
- Generic prescriptions are $0 through Vitable, along with $0 virtual primary care. Brand and specialty drugs are covered after you meet your deductible, and Molli uses smart PBM sourcing to help lower those costs even before the deductible.
- 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, via the self-employed health insurance deduction, if you have self-employment income and meet the rules. Confirm with a tax professional.
- When can I enroll?
- ACA Marketplace open enrollment for 2027 coverage runs November 1 to December 15, 2026. Molli itself is different: you can enroll year-round, with no window and no qualifying life event required.
- Can I keep Molli if I take a W-2 job?
- Yes, Molli is designed 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.
¹ Savings vary by location, age, and plan selection. Based on comparison of Molli Pro plan rates to ACA Silver benchmark premiums.