Individual Insurance Options for Part-Time, Seasonal & Contract Workers

Not every employee qualifies for your group health plan—but that doesn’t mean they have to go without coverage. We help employers across Alabama, Florida, Georgia, Illinois, Missouri, Nevada, North Carolina, South Carolina, Tennessee & Virginia support non-benefit-eligible staff with individual insurance options tailored to their needs.

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Who This Is For

These solutions are ideal for:

  • Part-time employees
  • Seasonal workers
  • Temporary staff
  • 1099 contractors & freelancers
  • Interns or student workers
  • Newly hired team members in waiting periods

Whether you want to help them navigate coverage or point them to enrollment resources, we’re here to guide the way.

Common Individual Plan Options

ACA Marketplace Plans

  • Fully ACA-compliant
  • Subsidies available based on income
  • No pre-existing condition exclusions

Short-Term Medical Plans

  • Temporary coverage with flexible terms
  • Lower premiums (but more limited benefits)



Medi-Share & Health Sharing Ministries

  • Faith-based sharing programs
  • Good for healthy individuals who meet lifestyle requirements

Standalone Dental & Vision

  • Year-round enrollment
  • Affordable coverage even without major medical

Final Expense & Term Life

  • Personal protection for dependents or final needs

We help each person explore the best fit based on their income, health, and life stage.

Employer Support, Without the Cost

If your business isn’t offering full benefits to certain employees, we can:

  • Create a resource sheet or custom portal for enrollment
  • Help team members enroll during off-hours
  • Act as a point of contact for plan questions
  • Keep things compliant without overcomplicating HR

There’s no cost for employers to refer non-benefit-eligible staff to us—we’re here to help them find plans that meet federal standards and real-world needs.

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Why Employers Partner With Us

  • Compare multiple carriers side-by-side
  • Choose employer-paid, employee-paid, or split-cost structures
  • Stay compliant with ACA and state regulations
  • Enroll staff easily with paper or online tools
  • Review benefits each year as your team changes

From Charlotte to Chattanooga, from Tampa to St. Louis—we help business owners do more for their teams.

Help Your Whole Team Get Covered

Need a simple way to provide support to part-time or temporary staff? We’ll help you give them meaningful coverage options—without the cost or complication of expanding your group plan.

Individual Coverage for Non-Eligible Staff

  • Can I pay for these plans as the employer?

    Yes. While your landlord’s policy likely covers the building itself, it won’t protect your belongings or liability. Renters insurance ensures you’re covered if your stuff is damaged, stolen, or if someone gets hurt in your unit.

  • Is this compliant with ACA regulations?

    Yes. We only recommend ACA-compliant plans or clearly explain alternatives like short-term or health sharing programs.

  • Can employees enroll anytime?

    Homeowners insurance is typically required by lenders if you have a mortgage. Renters insurance may be required by your landlord, but even when it’s not, it’s a smart move. We can help you understand the expectations and benefits in your situation.

  • Will this create extra work for my HR team?

    No. We work directly with the employee, and we’re happy to provide you with pre-made materials you can hand out during onboarding or open enrollment.

  • Can part-timers still qualify for subsidies?

    Yes. Subsidies are based on household income, not hours worked. We’ll walk each employee through their eligibility.