Health Coverage
for Locum Tenens Providers

Benefits Designed for Independent Contractors who are 1099s and Small Businesses with W2 Employees

All Your Coverage Needs Under One Umbrella

Being independent shouldn’t mean being unprotected. That’s why we offer PPO health coverage options designed specifically for 1099 contractors like locum tenens providers.
Dental benefits shouldn’t be an afterthought. We offer PPO dental plans tailored to the needs of self-employed professionals, featuring broad coverage, generous benefits, and nationwide access.
We understand that life coverage isn’t just about you. It’s about protecting the people who depend on you. Get group term life plans explicitly built for independent contractors and their families.
Many benefits providers leave vision care off the table for self-employed professionals. Ten99 Health fills that gap with affordable, flexible vision coverage through the VSP® Choice Network,

Ten99Health empowers the self-employed to thrive with benefits that go beyond the basics.

We’re on a mission to close the gap in coverage for 1099 professionals and small businesses. That means more than access to health coverage. It means support, flexibility, and fair pricing, all tailored to help you build a life on your terms.

Year-round enrollment

No need to wait. Apply for coverage by the 15th day of any month, and your coverage starts the next day.

More choices, not fewer

Most carriers limit choices for contractors. We open the door to flexible, portable plans that match your lifestyle.

Built-in support

Think of us as your HR department. From plan selection to claims help, we’ve got you covered every step of the way.

Ten99 Health Testimonials

Transparent Pricing: 2025

PlanHealth 125Dental 125Vision 125Life 10KAdmin 125UnionTotal
Employee Only$746$75$15$10$100$27$985
Employee + Spouse$1,530$150$30$10$200$27$1,959
Employee + (Children)$1,169$150$30$10$200$27$1,598
Employee + Family$1,669$220$45$10$200$27$2,183
Waived Employee (W2 groups only)$10$27$37