You shot a wedding on Saturday and edited until Tuesday. A sponsor paid weeks after the post went up, and a platform changed its rules overnight. Followers and clients do not come with a health plan. Prime Health Consultants is an independent insurance agency in Sunrise. Our licensed advisors explain private health plans to photographers, videographers and content creators in plain language, in English or Spanish.
Many photographers and creators work for themselves. Clients, brands and platforms pay you, and none of them is your employer. At tax time you may get a 1099 form for what they paid, and your own plan is yours to find. If you left a job with a plan, COBRA (a federal rule that can let you keep an employer plan for a limited time) or a spouse's plan may be on your list too, and a private plan is one more option.
Photography pays in bursts: wedding and event seasons, then a quiet stretch. Creators earn from brand deals and platform payouts that can arrive late or change when a platform does. A client who owes you money does not move the date your plan bills you. Look at the deductible guide linked below, and then test any plan against a month when a payout slips.
Camera bags and light stands are heavy, and a shoot can mean hours on your feet in the heat. Editing and filming can mean hours at a screen, with strain on the neck, shoulders, wrists and eyes. Ask which specialists are in the network, ask about eye care, and ask whether telehealth covers the days you cannot leave a project.
If you travel for work, ask how far the network reaches. Some plans have networks that also work outside Florida, and others do not.
Some creators work as sole owners, and others form an LLC or another kind of company. An individual private plan is applied for by the person, so you usually do not need a business entity to apply. How your business is set up can matter for taxes, so ask a tax professional.
PPO stands for preferred provider organization: a network of doctors and hospitals the plan prefers, with the plan's own rules for care outside it. The plans we offer are private plans, not ACA Marketplace plans, and they have exclusions and limitations. An advisor explains the details.
Photographers and creators under 65 who are paid by the shoot, the sponsor or the platform have no employer plan to join, and a private plan can be applied for at any time of year. Plans may not cover every benefit, so go through the terms with your advisor before you apply.
Payments from clients, sponsors and platforms are usually all self-employment income, and business costs like cameras, software and travel have their own rules. Your health plan is its own question: the IRS has a self-employed health insurance deduction, figured on Form 7206 and reported on Schedule 1 of Form 1040. This is general information, not tax advice, so talk with a tax professional about your situation.
Tell us how you earn. Shoots, sponsors, platforms, and who needs coverage.
Plan around a late payout. A licensed advisor goes over networks, travel and how the application works.
Apply between projects. Call or message evenings and weekends. Talking with us costs nothing.
Prime Health Consultants
1550 Sawgrass Corporate Pkwy, 3rd Floor, Sunrise, FL 33323Phone: (305) 333-1434 · WhatsApp: (786) 675-7004
Hours: Mon–Fri 9 AM–9 PM · Sat 9 AM–8 PM · Sun 9 AM–5 PM
Get directionsAreas we serve: All of Florida, by phone, WhatsApp or video, and in person at our Sunrise office. Our licensed agent Julio Fernandez is licensed in 30 states.
You can apply for an individual private plan, and your advisor will tell you what the application asks for.
Usually not. The person applies. Your business setup can matter for taxes, so ask a tax professional.
Not always. Network reach varies from plan to plan: some include doctors outside Florida and some do not. Before you choose, ask how the plan treats urgent and emergency care when a shoot takes you away from home.
The plan payment stays on its normal date. That is why it helps to choose a plan against your leanest month rather than a good one.
Not always, because it depends on how the business is set up. Sole owners, partners and company owners are treated differently, and the Form 7206 instructions explain the health insurance deduction. A tax professional can look at your structure. For the general rules, read our guide to the deduction.
No. We work with plans for people under 65 and we do not offer Medicare. For Medicare questions, contact Medicare at 1-800-633-4227 or Florida SHINE at 1-800-963-5337.