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Pinned by mods · aca-marketplace

Individual ACA Marketplace Plans

If you're a 1099 mechanic, a master tech between W-2 jobs, or a single-bay owner, the ACA Marketplace is usually the cheapest way to get real major-medical coverage. Subsidies are based on your projected 2025 self-employment income — most mechanics underestimate what they qualify for.

Get a mechanic quote →Back to coverage paths

What's covered

  • Hospital, surgery, and ER visits — including shop-floor injuries that escalate
  • Primary care, specialists, and orthopedic referrals for back and shoulder issues
  • Prescription drugs (formulary varies by plan tier)
  • Preventive care at $0 — annual physical, bloodwork, screenings
  • Mental health and substance abuse coverage at parity with medical

Who it's for

  • Self-employed mobile mechanics and mobile diesel techs
  • Master techs between shop jobs or going independent
  • Single-owner shops without a group plan yet
  • Spouses of techs whose shop doesn't offer dependent coverage

Top questions from the thread

Will I qualify for a subsidy on 1099 income?

Most independent mechanics earning $25k–$70k qualify for meaningful premium tax credits. We calculate the subsidy live during your quote — no guessing.

Can I still use my current doctor?

Depends on the plan's network. We filter quotes against your ZIP and can flag which carriers keep your PCP and orthopedist in-network.

What if I miss Open Enrollment?

Losing employer coverage, moving, marriage, or a new baby all open a Special Enrollment Period. We help confirm eligibility on the call.