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Self-employed individuals can also ...Enjoy the flexibility to upgrade your level of health or dental coverage-- no medical review required-- upon your plan anniversary. Enjoy the flexibility to downgrade every two years. Step 1: Select a Bronze, Silver or Gold health level. Your dental options will depend on the health level selected. Step 2: Select your preferred dental coverage.5. Self-Fund with a Health Savings Account (HSA) If you are retiring at 62 or before — or any time before Medicare eligibility at 65 and are really left with no other options — you can always self-insure, explains Purkat. “Unfortunately, this can be the most expensive option,” He says. Strategies for Selecting the Best Health Insurance Plan. For self-employed persons, pinpointing the right health insurance plan requires careful consideration of one’s requirements, wants, and financial situation. To make an informed decision, you must. Assess your budget closely. Analyze coverage options, and. 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