Solo Inspector Coverage
Built for the 1099 inspector running the route alone — the one writing reports at 9pm and invoicing Monday morning. Subsidy-eligible marketplace plans priced for the way independent inspectors actually earn.
Plans from
$248/mo
Final price depends on age, ZIP, household, and ACA subsidy eligibility.
What's covered
Five things every plan in this track includes.
- ACA-compliant medical with no exclusion for ladder injuries
- Primary care, urgent care, and ER visits
- Generic and brand prescription coverage
- Telehealth — file claims between inspections
- Preventive care at 100% (annual physical, screenings)
Who it fits
Built for these inspectors.
- Owner-operator inspectors filing Schedule C
- Newly licensed inspectors leaving a W-2 firm
- Part-time inspectors stacking 1099 income
Inspectors on this track
Solo residential inspector · Atlanta
"Foundation matched me to a plan $164 cheaper than the one my old broker quoted."
Newly licensed · Phoenix
"Got coverage two weeks before my first inspection. No drama."
Part-time inspector · Tampa
"They actually understood the 1099 thing. Took 12 minutes."
This premium may be deductible.
Self-employed inspectors typically deduct health insurance premiums on Schedule 1, line 17 — directly reducing AGI. We walk you through the math during enrollment.
Read the Schedule C guideOther coverage tracks
Family Coverage for Inspectors
Spouse + kids covered, priced for households on Schedule C income.
View trackFranchise Inspector Group Plans
ICHRA and level-funded options for franchise offices with 2–25 inspectors.
View trackSpecialty Inspector Coverage
For mold, pest, radon, sewer-scope, and structural specialists.
View trackReady to see your solo inspector coverage options?
A licensed Foundation Health advisor sends ranked plans within 24 hours — built around your route, your ZIP, and your Schedule C.
Start my free quote