--- title: Supplemental Insurance for Self-Employed & Entrepreneurs description: Supplemental insurance solutions for self-employed, entrepreneurs, and contractors who need income protection options to support their business & family. image: https://www.midwestsupplemental.com/hubfs/Featured%20image%20300x175-Midwest%20Supplement%20Partners.png --- [Skip to content](https://www.midwestsupplemental.com/self-employed#main-content) [![](https://www.midwestsupplemental.com/hs-fs/hubfs/Logo%20transp%20500x180-Midwest%20Supplemental%20Partners.png?width=500&height=180&name=Logo%20transp%20500x180-Midwest%20Supplemental%20Partners.png)Homepage](https://www.midwestsupplemental.com?hsLang=en) - [Home](https://www.midwestsupplemental.com/?hsLang=en) - Insurance Solutions - [Supplemental Insurance](https://www.midwestsupplemental.com/supplemental-insurance-sioux-falls-sd?hsLang=en) - [Long-Term Care](https://www.midwestsupplemental.com/long-term-care-planning?hsLang=en) - [Health Plans](https://www.midwestsupplemental.com/ichra-health-plans-in-sioux-falls-sd-midwest-supplemental?hsLang=en) - Who We Serve - [Employers](https://www.midwestsupplemental.com/employers?hsLang=en) - [Individuals & Families](https://www.midwestsupplemental.com/individuals-families?hsLang=en) - [Self-Employed](https://www.midwestsupplemental.com/self-employed) - [About](https://www.midwestsupplemental.com/about?hsLang=en) - [News](https://www.midwestsupplemental.com/news?hsLang=en) [Free Consultation](https://www.midwestsupplemental.com/get-a-free-consultation?hsLang=en) - [Home](https://www.midwestsupplemental.com/?hsLang=en) - Insurance Solutions - [Supplemental Insurance](https://www.midwestsupplemental.com/supplemental-insurance-sioux-falls-sd?hsLang=en) - [Long-Term Care](https://www.midwestsupplemental.com/long-term-care-planning?hsLang=en) - [Health Plans](https://www.midwestsupplemental.com/ichra-health-plans-in-sioux-falls-sd-midwest-supplemental?hsLang=en) - Who We Serve - [Employers](https://www.midwestsupplemental.com/employers?hsLang=en) - [Individuals & Families](https://www.midwestsupplemental.com/individuals-families?hsLang=en) - [Self-Employed](https://www.midwestsupplemental.com/self-employed) - [About](https://www.midwestsupplemental.com/about?hsLang=en) - [News](https://www.midwestsupplemental.com/news?hsLang=en) [Free Consultation](https://www.midwestsupplemental.com/get-a-free-consultation?hsLang=en) # Insurance Solutions for the Self-Employed, Entrepreneurs, and Independent Contractors #### When you’re self-employed, you don’t have access to traditional employer benefits — but you still need protection when life happens. At **Midwest Supplemental Partners**, we help **self-employed**, **entrepreneurs, freelancers, and independent contractors** across the Midwest build insurance protection solutions that provide financial security, flexibility, and peace of mind — so you can continue doing the work you love. [Let's Chat](https://www.midwestsupplemental.com/contact-us?hsLang=en) ![small biz owner flower shop](https://www.midwestsupplemental.com/hs-fs/hubfs/small%20biz%20owner%20flower%20shop.png?width=1294&height=850&name=small%20biz%20owner%20flower%20shop.png "small biz owner flower shop") ![plant coins](https://www.midwestsupplemental.com/hs-fs/hubfs/plant%20coins.png?width=1353&height=885&name=plant%20coins.png "plant coins") ## Why Insurance Planning Is Different When You’re Self-Employed Being self-employed means you carry more responsibility — and more risk. Unexpected events like accidents, illness, or hospital stays can lead to: - Out-of-pocket medical expenses - Lost income during recovery - Financial stress for you and your family - Disruption to your business That’s why having the **right mix of supplemental and additional coverage** matters. ## Supplemental Insurance Designed to Support Income and Cash Flow As a licensed **[Combined Insurance](https://www.combinedinsurance.com)agent**, we work with self-employed individuals to add supplemental coverage that works alongside major medical insurance. Supplemental insurance can help provide: - Cash benefits paid directly to you - Support for accident- or illness-related expenses - Income protection during recovery - Flexibility in how benefits are used This coverage is especially valuable for those with **high-deductible health plans** or v**ariable income.** ![woman bookkeeping](https://www.midwestsupplemental.com/hs-fs/hubfs/woman%20bookkeeping.png?width=898&height=613&name=woman%20bookkeeping.png "woman bookkeeping") ##### With more than 30 **years in the business of people**, I take a consultative approach focused on: - ##### Understanding how you work and earn - ##### Explaining options clearly and honestly - ##### Helping you choose coverage that fits your life and business - ##### Avoiding unnecessary or overlapping coverage   ## Explore Supplemental Coverage Options ### Accident Insurance Pays cash benefits that can be used to help with out-of-pocket expenses due to unexpected injury. ### Critical Illness Insurance Pays a lump sum if you are diagnosed 
with a covered condition. ### Cancer Insurance Pays cash benefits that can be used to help 
with costs related to a cancer diagnosis. ### Disability Insurance / Income Protection Provides cash benefits to help replace a portion of your income if you're sick or hurt and can't work. ### Hospital Insurance Pays cash benefits that can be used to help with expenses related to a covered hospital admission and/or confinement. ### Life Insurance Pays a lump sum to help cover final expenses and maintain a family's lifestyle following the loss of a loved one. ### Dental & Vision Insurance For everyday care and preventive needs, dental and vision options may be added to round out protection. ## Build Coverage That Works Together 1 Coverage complements & stacks 2 Supports both short-term and long-term need 3 Adapts as your business and income grow ## Let's Get Started [Connect Now](https://www.midwestsupplemental.com/contact-us?hsLang=en) [![](https://www.midwestsupplemental.com/hs-fs/hubfs/Logo%20transp%20500x180-Midwest%20Supplemental%20Partners.png?width=500&height=180&name=Logo%20transp%20500x180-Midwest%20Supplemental%20Partners.png)](https://www.midwestsupplemental.com?hsLang=en) [5201 S Solberg Ave, Ste. 220 Sioux Falls. Sd 57108](https://maps.app.goo.gl/GuWpjjca11WuTBEi6) (605) 951-0053   - [Home](https://www.midwestsupplemental.com/?hsLang=en) - Insurance Solutions - Who We Serve - [About](https://www.midwestsupplemental.com/about?hsLang=en) [mailto:tara@midwestsupplemental.com](mailto:tara@midwestsupplemental.com) *\* Midwest Supplemental Partners & Tara Cox, are Independent Sales Representatives, offering health, supplemental health, life, annuities, and long-term care insurance products. Licensed in SD, IA, KS, NE, MO, ND and MN to offer life and health insurance products (excluding variable and securities products).*  --- Privacy Policy · Legal · © 2026 Midwest Supplemental Partners. All rights reserved.