How To Get Group Health Insurance For Self Employed? 
Technically you ca n't in all but a few states . To form a group under the regulations of virtually all states you have to have an employer-employee relationship which at a minimum requires two people , the employer and at least one common law employee -LRB- generally a W2 status employee -RRB- . Colorado and Delaware do appear to be states that make provisions for a self-employed person to purchase health insurance on agroup contract basis . This is one of the issues the Affordable Care Act essentially dealt with beginning on January 1 , 2014 when it 's provisions eliminated pre-existing condition exclusions and being declined for coverage in the individual and group marketplaces . So , other than the fact that the open enrollment season concluded on March 31st , 2014 there is now no legal prohibition preventing a self-employed person from getting individual health insurance . This does not mean , however , that states have changed their individual laws regarding eligibility for group contracts and to the best of my knowledge no states have changed their policies in this regard . There are still a few industry association group health plans in existence but they have become increasingly rare over the years . For most self-employed persons reading this answer your best option and generally your only option will be to purchase individual health insurance . 