Cost of Health Insurance for Self-Employed

Transparent Pricing: 2025

At Ten99 Health, we believe in providing clear, straightforward pricing. Below are the rates for our health, dental, vision, life, and administrative services, designed for 1099 contractors and their families. No hidden fees, just simple, honest pricing.

Plan	Health 125	Dental 125	Vision 125	Life 10K	Admin 125	Union	Total
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

What’s a 125 Plan?

A 125 plan, also called a cafeteria plan, allows 1099 contractors to pay for health, dental, and vision premiums using pre-tax income. This structure can help lower your taxable income and maximize your savings throughout the year.