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Construction Companies & TradesOn the job you are covered. Off the job — a weekend, a chest pain, a kid's broken arm — you are not. That gap is where most construction families get hurt financially, and almost nobody explains it until it matters.
Two things make this industry unlike the rest. The first is that a large share of the workforce is 1099 — paid per job, responsible for their own everything, and frequently carrying no health coverage at all. In Collier County alone, construction accounts for roughly 20,400 jobs, and 22.9% of working-age adults there have no coverage.
The second is that the work itself is physical and cumulative. Knees, backs and shoulders do not fail on a Tuesday afternoon inside a workers' comp claim. They fail slowly, over years, and then need treatment that comp will not touch because nobody can point to the incident that caused it.
We compare every route open to a contractor and to the people working for them, then tell you which one actually fits.
From two enrolled employees in most states. Guaranteed-issue regardless of anyone's medical history, generally deductible to the business, and the most effective retention tool available to a small contractor.
From 2 employeesFor 1099 trades and owner-operators. Pre-existing conditions cannot be excluded or surcharged, and if net income after job expenses qualifies, premium tax credits can cut the monthly cost substantially.
No exclusions for historyPriced on different factors outside the Marketplace. Worth comparing for owners above the subsidy line, where the premium tax credit is now zero rather than merely reduced.
Above the subsidy linePays cash directly to you when an injury puts you out of work. In a trade where income stops the moment you cannot lift, this is often the more urgent gap — but it sits alongside a real health plan, never instead of one.
Replaces lost incomeMost of this job is explaining the gap between what people think they have and what they actually have. In construction that gap is wider than anywhere else.
Before recommending anything we look at what you already carry, so you can see exactly where it stops. Often that conversation changes the whole decision.
Draw schedules and weather mean annual income is a moving target. We set the estimate so a strong quarter does not cost you the credit at tax time.
If a group plan is right we will set it up, and if your guys are better off individually we will say that too — and help each of them anyway.
A denied claim is when you find out whether your advisor was worth having. Same person, same number, every time.
Three questions, about sixty seconds. You will receive a response within 24 hours — from a licensed advisor, not a call centre.
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Recurring situations from this line of work — described as patterns, not as client quotes. Verified client reviews appear further down.
An employer gets a single group quote, sees the monthly number, and concludes benefits are unaffordable — without ever seeing level-funded or ICHRA modelled against the same census.
A small team looks ineligible because several employees are covered on a spouse's plan — until those employees are correctly excluded from the participation count.
A lower-wage workforce would receive larger ACA subsidies individually than the value of the group plan the owner was about to buy.
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No. Workers' compensation covers medical costs and lost wages for injuries that happen on the job. It does not cover illness, it does not cover anything that happens off the clock, and it does not cover your spouse or children at all. A worker with comp and nothing else is uninsured for most of what actually sends people to a doctor.
It is narrower than workers' comp, not broader. Occupational accident policies typically pay a limited benefit for a specific injury sustained while working. They exclude illness entirely and usually carry hard caps. They are not a substitute for a health plan and should never be sold as one.
You generally cannot put genuine subcontractors on a group plan — that is part of what makes them subcontractors, and misclassifying people to get around it creates a much larger problem than the one it solves. What you can do is point them to individual coverage and let us walk each of them through it at no cost to you or to them. A number of contractors do exactly this, and it holds crews together.
Not on an ACA-compliant plan. Pre-existing conditions cannot be used to decline you, price you differently, or exclude treatment. This matters more in the trades than almost anywhere else, and it is a real reason to be careful with cheaper non-compliant products that do not carry the same protection.
Two ways. Estimate annual income across the whole year rather than from a strong month, so the subsidy reflects reality. And choose a plan whose premium you can carry through the quiet quarter — coverage that lapses in February is worth nothing in March.
Saintellus Health Advisory is an independent insurance agency licensed in 31+ states. Plan availability, pricing and eligibility vary by state, county, age and household. This page is general education and is not medical, tax or legal advice.
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