Health Plans for Sole Proprietors

America's small businesses are the backbone of our economy, yet millions of sole proprietors and self-employed professionals continue to face limited and expensive health insurance options. In many cases, their only choices are individual marketplace plans or traditional carrier products with high premiums and limited flexibility.

At Health Plan Apply, we believe business owners deserve better. That's why we've assembled a portfolio of innovative health plans specifically designed for sole proprietors, independent professionals, consultants, freelancers, and owner-only businesses.

Whether you're a one-person operation or planning to expand, our plans provide a seamless path from owner-only coverage to full employer-sponsored health benefits. As your business grows, your health plan can grow with you — without the need to completely change benefit strategies.

One of our most unique offerings is the Northwell Direct Multi-Employer Health Plan by Memberly.

Many business owners assume this plan is only available to employers located in New York. In reality, approximately 70% of participating members live outside of New York and access care through the nationwide Blue Cross Blue Shield network.

Employees and business owners living anywhere in the United States can receive care through Blue Cross Blue Shield providers while also benefiting from enhanced access to the Northwell Direct network when receiving care in the New York metropolitan area.

You don't need to be located near Northwell Health — or even in New York — to be eligible to participate through the multi-employer program.