Coverage that moves as fast as you do
No platform is going to give you benefits. Private PPO plans don't need an employer at all — enroll any month, keep it across every app you drive or deliver for, and get a licensed California advisor's help free.
How many people in your household need health insurance coverage?
Including yourself.
The usual problem
- No benefits from any platform, no matter your hours
- Income spread across multiple apps and gigs
- Subsidy paperwork that can't keep up with variable income
- Coverage decisions made alone, without guidance
The private PPO answer
- No employer needed. Your coverage is yours — it doesn't care which apps you work.
- Enroll this month. Year-round enrollment means no waiting for a window.
- Real guidance, free. One licensed advisor to call — not a help-center article.
Health insurance for gig workers in California
Gig work untethers your income from any single company — and untethers you from employer health insurance at the same time. The Marketplace works for some drivers, but subsidy estimates built on unpredictable 1099 income have a way of turning into tax-time surprises.
A private PPO sidesteps all of it: a fixed premium you choose up front, no income reconciliation, and a network of doctors you can see without referrals — whether this month was your best or your slowest.
What happens when you reach out
Answer three quick questions and a licensed California advisor gives you a call. They handle whatever you need from there — free, on your schedule, between rides if that's what works.
Frequently asked questions
Do I need proof of employment to apply?
No. Private plans are based on your household, not a job. Being a gig worker doesn't complicate the application.
What if my income swings month to month?
Your premium is fixed when you enroll — it doesn't move with your income, and there's no year-end subsidy reconciliation.
Can I keep my plan if I switch platforms or go full-time somewhere?
Yes. The plan is yours. If you later take a job with benefits, you can simply drop it — with no penalty.