Unlock ACA subsidies and slash health insurance costs for solopreneurs.
Freelancers without employer coverage face high costs and complexity in securing health insurance, with premiums directly eroding their hard-earned profits.
GigSubsidy specializes in maximizing ACA premium tax credits by verifying eligibility with precise freelance income projections and household data. It automates subsidy applications and monitors for qualification changes throughout the year. Freelancers get guaranteed lowest net premiums with compliance alerts.
Independent freelancers and solopreneurs without employer-provided health insurance
Subsidy-first focus with auto-renewal tracking, not just quotes.
supportive
Scans income/household for instant subsidy qualification.
Generates and submits Marketplace subsidy forms.
Integrates Plaid for real-time income proof to lock subsidies.
Tracks subsidy vs actual income for tax reconciliation.
Alerts on income shifts affecting subsidy amounts.
Generates Form 1095-A summaries for CPA.
Test subsidy impacts of income changes.
AI-assisted Q&A on subsidies.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| state | text | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| estimated_amount | int | No |
| status | text | No |
| application_date | timestamp | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| amount | int | No |
| period | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| size | int | No |
| dependents | int | Yes |
Relationships:
/api/subsidy/eligibilityCalculate subsidy based on inputs
/api/income/connectPlaid integration for income
/api/subsidy/applySubmit subsidy application
/api/monitor/changesCheck for subsidy updates
No applications
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 80 | 2% | $62 | $744 |
| Month 6 | 700 | 4% | $1,092 | $13,104 |
Automatically qualify for up to $800/mo off premiums—tailored for gig workers.
Target ACA subsidy Reddit threads, email list from freelance newsletters, free trials via LinkedIn solopreneur groups.
Broker assistance
Manual, not automated for freelancers
Self-serve automation + freelance focus
Historical subsidy data improves accuracy and predictions.
Recent ACA enhancements make subsidies more accessible amid freelance surge.
Marketplace integration approvals
Start with form gen, partner later
Plaid reliability
Fallback manual upload
Success: 70% unaware/unused
Success: 80% success rate
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