Health Coverage Options for Barbers and Hair Professionals
If your income relies on cutting, coloring, or styling hair, being sick means missing out on earnings.
How to Get Health Insurance in the Barber and Beauty Industry
Barbers, hair stylists, and nail technicians have several options for obtaining health insurance:
Affordable Care Act Marketplace – Many professionals in the barber and beauty industry can find major medical plans through the Affordable Care Act Marketplace. These plans are similar to employer group health insurance which include essential health benefits and protections for pre-existing conditions. Depending on your income, you may qualify for a state or federal subsidy.
Private health insurance marketplaces, such as Smart and Simple Insurance, provide additional options beyond the government exchange. Including: Short-term Medical, Accident-Only Coverage, Vision, Dental and other wellness products.
Free Health Insurance Consult
Need help finding the best plan in your price range? Call one of our insurance consultants for a no-cost review.
ACA Plans or Affordable Private Care
Barbers, hair stylists, and hair professionals play an important role in their communities, providing essential grooming and care. Your work is valuable and impacts many people. Taking care of your health is vital to continuing the work you do every day. This site is here to help you explore affordable health coverage options designed for professionals like you. Don’t wait—your health coverage is too important to delay.
You have two main options for finding health insurance: ACA-certified plans or private health marketplaces. Government marketplaces, like HealthCare.gov, offer Affordable Care Act (ACA) plans that include essential benefits and protections for pre-existing conditions. Private marketplaces, on the other hand, provide more flexibility with a wider range of options, including major medical insurance, dental and vision plans, short-term coverage, and supplemental health insurance.
Comparing your options carefully is essential to finding a plan that fits your budget and coverage needs. Both government and private marketplaces offer tools and resources to guide you through the process. Having health insurance ensures you are prepared for unexpected medical expenses and helps protect your ability to work and earn.
Enroll Online
We believe getting health insurance should be easy and not the worst part of your day. Using the online enrollment center is quick and easy with a few keystrokes.
Get Health Insurance
Barbers and Beauty Industry Professionals
1-855-826-0030
When Can Barbers and Hair Stylists Get New Health Insurance?
Enroll in Qualified Health Plans During Open Enrollment Periods
Barbers, hair stylists, and other beauty professionals can enroll in qualified health plans certified by the Health Insurance Marketplace during the federal open enrollment period which is November 1 through January 15, annually. This is a designated time each year when you can change or update your health insurance without needing a qualifying life event, such as gaining new employment or losing previous coverage. During this period, you can shop for new major medical policies that meet your needs. Health plans offered on the marketplace are ACA-compliant, meaning they must include essential health benefits, cover pre-existing conditions, and cap out-of-pocket costs like deductibles and copayments.
These plans provide comprehensive coverage similar to employer-sponsored insurance. You can also find these same certified plans on private exchanges, such as Smart and Simple Insurance, which may offer additional flexibility and support.
You Can Enroll Anytime for Short-Term Health Insurance
For barbers, hairstylists, and other professionals in good health, short-term medical policies can be a cost-effective option. These plans are available year-round and can provide temporary coverage, especially if you’re just starting your own business or need an affordable solution quickly. However, it’s important to note that short-term insurance is not ACA-compliant.
These plans often exclude pre-existing conditions and may offer limited benefits compared to traditional health plans. If you’re building your barber or salon business, short-term health insurance can help protect you from unexpected medical costs while keeping expenses under control.
Check If You Qualify for Medicaid, CHIP, or Medicare
Depending on your income, you may qualify for Medicaid or the Children’s Health Insurance Program (CHIP). These programs provide affordable or no-cost coverage to eligible individuals and families. Medicaid eligibility is based on income and may cover adults, children, pregnant women, and individuals with disabilities.
For barbers and beauty professionals nearing retirement age, Medicare is available starting at age 65. If you’re not yet receiving Social Security, you’ll need to sign up for Medicare directly. Ensuring you have the right health coverage is an essential part of protecting your health and your business.
Traditional Health Insurance
“Major Medical” is traditional health insurance like a group-health plan that is available to W-2 employees. Meets the Affordable Care Act standards of coverage.
Traditional Health Insurance covers pre-existing conditions.
Short-Term Medical Insurance
Sometimes referred to as “gap insurance”, a short-term medical plan is health insurance that covers new illnesses and injuries.
As it is term insurance, you may cancel at anytime.
Vision Insurance
See the difference a vision plan can have on your health and your wallet! In these times, a vision plan can help save you money on exams, lenses, frames and more!
Telehealth
Accident Supplemental Insurance
Benefits can be used to pay for emergency treatment, medical transportation and lodging. Use the money for whatever you need, like mortgage payments, credit card payments, car payments, daycare or business costs.
Identity Theft Protection
Simple Term Life Insurance
The most selfless thing you can do for your loved ones in case of a future without you. Your rate is guaranteed for a 5-year term period. You can keep your policy until you decide you do not need it.
Cancel any time.
Yes, you’re accepted! No Medical Questions or Exam. Quick and simple with guaranteed acceptance.
Get Health Insurance
Barbers and Beauty Industry Professionals
1-855-826-0030
Frequently Asked Questions
When can barbers and hair stylists enroll in new health insurance?
Barbers, hair stylists, and other beauty professionals can enroll in qualified health plans during the federal open enrollment period. This is the time each year when you can change or update your health insurance without needing a qualifying life event, such as gaining new employment or losing coverage.
What types of plans are available on the health insurance marketplace?
The health insurance marketplace offers ACA-compliant plans that include essential health benefits, pre-existing condition coverage, and limits on out-of-pocket costs like deductibles and copayments. These plans provide comprehensive coverage similar to employer-sponsored insurance.
Can barbers and hair stylists enroll in short-term health insurance?
Yes, barbers and hair stylists can enroll in short-term health insurance plans year-round. These plans are more affordable but do not provide the same level of benefits as ACA-compliant plans and may not cover pre-existing conditions.
What are Medicaid and CHIP, and do barbers qualify?
Medicaid and the Children’s Health Insurance Program (CHIP) offer affordable or no-cost health insurance to individuals and families based on income. Barbers and beauty professionals may qualify if they meet income requirements. Medicaid may also cover children, pregnant women, and individuals with disabilities.
What is Medicare, and how can barbers access it?
Medicare is available for individuals aged 65 or older. Barbers and beauty professionals nearing retirement age who are not yet receiving Social Security will need to sign up for Medicare directly to access coverage.
Get Health Insurance
Barbers and Beauty Industry Professionals
1-855-826-0030
