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INDIVIDUAL & FAMILY

Health Insurance for the Self-Employed

Blue Cross and Blue Shield of Montana gives you affordable coverage options, whether you're a small business owner or a full-time gig worker.

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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 BCBSMT.

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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. BCBSMT can help if you're a:

  • Gig worker, like a food delivery or rideshare driver
  • Independent contractor, with a company, independently (like some lawyers or doctors) or who don't get health insurance as a benefit through work
  • Freelance worker, like copywriters or graphic designers
  • Small business owner, like a marketing agency owner, event planner or any small business owner that doesn't offer employer coverage
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Before Shopping

Consider This Before Shopping

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

Start Shopping

Ready to Shop? 

Compare your options, find out if you qualify for savings and start enrolling.

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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. BCBSMT 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

Benefits of Getting Insurance Through BCBSMT

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

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Affordable health coverage.

Find coverage at different costs and learn if you can save with premium tax credits.

Understand premium tax credits
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24/7 support.

Have coverage questions? Need virtual health care? We can help. Sometimes, even 24/7.

Explore member resources
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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