Self-employed individuals and small business owners have several options for obtaining health insurance. They can purchase a policy through the Health Insurance Marketplace, participate in a government program like Medicaid or Medicare, join a health care sharing ministry, or purchase a short-term health insurance policy.

Kaiser Permanente and Blue Cross Blue Shield are the best health insurance companies for small business owners, based on Forbes Advisor’s analysis. UnitedHealthcare also received high marks.

You can use a broker or source health insurance plans yourself. You can offer a fully-funded plan or a level-funded plan. You can obtain health insurance by joining a professional employer organization (PEO). You can use the Small Business Health Options Program (SHOP) to shop for plans.