How do self‑employed people sign up for ACA coverage in 2026?

Self‑employed individuals—such as freelancers or small business owners—can enroll in ACA Marketplace plans just like anyone else. During open enrollment, estimate your expected income for 2026 and apply online. You may be eligible for premium tax credits and cost‑sharing reductions based on your projected earnings. Make sure to report business income accurately and keep records for tax filing.

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