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Life change guide

I'm self-employed or a gig worker

Find out if you qualify for SNAP, Medicaid, tax credits, and other benefits as a self-employed or gig worker.

Where to start

Being self-employed or working in the gig economy (like driving for a rideshare company or freelancing) can make it harder to predict your income. The good news is you may still qualify for benefits to help with food, health care, and taxes.

Your income eligibility is usually based on your net income—what you make after business expenses. This can work in your favor because business expenses lower your taxable income.

You can apply for most benefits year-round. Applying is always free, and only the agency decides if you qualify. Start by figuring out your expected income for the next few months. If you're unsure, it's still worth applying.

Here's what to do next.

Do these first

  1. 1

    Check if you qualify for SNAP

    SNAP (the Supplemental Nutrition Assistance Program) helps you buy food. With self-employment income, your business expenses count as deductions, which can lower your net income. This may help you qualify. Most states have income limits and asset limits. Check if you might qualify before you apply.

    About SNAP
  2. 2

    Apply for Medicaid

    Medicaid is free or low-cost health coverage. You can apply any time of year. Many states expanded Medicaid to cover adults with income up to 138% of the poverty level. Apply through your state Medicaid agency or through HealthCare.gov, which sends your application to your state.

    About Medicaid
  3. 3

    Learn about the Earned Income Tax Credit

    The Earned Income Tax Credit (EITC) is a tax credit that can give you money back when you file taxes. Self-employed people often qualify. You don't claim it when you apply for other benefits—you claim it on your tax return. Talk to a tax preparer or check IRS.gov to see if you qualify.

    About EITC
  4. 4

    Check for ACA health insurance help

    If Medicaid doesn't cover you in your state, you may qualify for ACA Marketplace Premium Tax Credits to help pay for private health insurance. These credits lower your monthly premium. Apply on HealthCare.gov during open enrollment or if you've had a life change.

    About ACA Subsidies
  5. 5

    Gather your income information

    Have your recent tax returns, bank statements, or profit and loss statements ready when you apply. Self-employed income includes money from all your work. Be honest about what you expect to earn over the next few months. This helps the agency figure out your real income.

  6. 6

    Apply online or by phone

    Most states let you apply for SNAP and Medicaid online. You can also apply by phone or mail. Starting online is usually fastest. Keep copies of everything you submit. The agency will contact you if it needs more information.

Programs that can help

SNAPUSDA Food and Nutrition ServiceSNAP gives monthly benefits on an EBT card to help households with low income buy food.MedicaidCenters for Medicare & Medicaid ServicesMedicaid is free or low-cost health coverage run by each state with federal funding, for children, adults, pregnant people, older adults and people with disabilities.EITCInternal Revenue ServiceThe EITC is a federal tax credit for people who work and have low to moderate income. It may lower your tax and add to your refund.ACA SubsidiesCenters for Medicare & Medicaid ServicesPremium tax credits may lower the monthly cost of a health plan you buy through the ACA Marketplace.

Offers that can help

Services from our partners. You never need a paid service to apply for benefits.

Advertiser disclosure
We may earn a commission when you use partner links. Partners never affect which programs we show, how we rank them, or our editorial content. How we make money

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