Who may qualify for private health insurance?
Ameristead plans may be an option for eligible working professionals and business owners who can document self-employment and pass medical underwriting.
You may be eligible if you are…
- Self-employed or an entrepreneur with an EIN
- A 1099 independent contractor or consultant
- A small-business owner seeking individual or family coverage
- Looking for PPO-style provider access across multiple states
- Healthy enough to receive approval through medical underwriting
Coverage is medically underwritten
An EIN or 1099 may establish occupational eligibility, but it does not guarantee approval. Applicants complete health questions, and the plan may approve or decline coverage based on medical underwriting.
These are not individual ACA Marketplace policies. If private coverage is unsuitable, we can help compare ACA or other guaranteed-issue options.
A private PPO option worth comparing.
Ameristead offers plan designs structured through a self-funded employer group, administered by Marpai Health and utilizing Cigna PPO network access. Availability, benefits and approval vary.
01 · ACCESS
Doctors and hospitals
We help verify preferred providers against the network tied to the exact plan—not just the network name on a brochure.
02 · COST
How benefits pay
Compare deductibles, copays, coinsurance, out-of-pocket limits and how each applies to office visits, diagnostics and hospitalization.
03 · MEDICATIONS
Prescription coverage
We review current medications, benefit rules and potential member costs so there are fewer surprises after enrollment.
From questions to confident coverage.
Our advice is educational and personal. You see what matters before deciding.
Tell us what you need
Share your household, location, doctors, prescriptions and coverage priorities.
Review your options
We explain available Ameristead designs and appropriate alternatives side by side.
Apply with support
If Ameristead fits, your agent helps you navigate the application and next steps.
Common questions, straight answers.
Can self-employed people get private health insurance?
Yes. Eligible self-employed professionals, entrepreneurs and independent contractors may apply for private health plan options. Certain plans require proof of self-employment, such as an EIN or 1099, and approval through medical underwriting.
Does having an EIN or 1099 guarantee approval?
No. An EIN or 1099 may satisfy an occupational eligibility requirement, but the applicant must still complete health questions and pass medical underwriting. Approval, rates and availability are not guaranteed.
What is Ameristead Health?
Ameristead offers health plan options structured through a self-funded employer group and administered by Marpai Health. Available plan designs use Cigna PPO network access. Eligibility, benefits and availability vary.
Are Ameristead plans ACA Marketplace plans?
No. These are not individual ACA Marketplace policies. Compare underwriting requirements, plan terms, exclusions, costs and coverage details with a licensed agent before applying.
Can I use doctors nationwide?
Available Ameristead plans utilize Cigna PPO networks. Network participation can change and may differ by plan, so verify each provider and facility for your exact plan before receiving care.
See if you qualify for private coverage.
Get a no-cost comparison for yourself, your family or your small business.