Smooth your freelance income to unlock lower health premiums and subsidies.
Freelancers face exorbitant health insurance premiums without employer coverage, threatening the long-term viability of their solo businesses.
GigSmooth analyzes irregular freelance income to create 'smoothed' profiles for insurers and ACA subsidies. It predicts eligibility, generates optimized applications, and tracks annual true-ups. Freelancers save thousands by qualifying for better plans.
Solo freelancers and independent contractors without employer-sponsored health insurance
AI-powered income smoothing tailored to 1099 patterns, maximizing subsidies like APTC.
professional
Import 1099s, bank statements, or Stripe data.
AI smooths income for subsidy/premium quotes.
Estimates APTC and CSR eligibility.
Generates ACA/insurer-ready documents.
Monitors subsidy true-ups and adjustments.
Side-by-side best plans post-smoothing.
What-if income changes.
Connect Stripe/PayPal ongoing.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| zipcode | text | No |
| household_size | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| amount | int | No |
| date | timestamp | No |
| source | text | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| smoothed_income | int | No |
| subsidy_estimate | int | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| prediction_id | uuid | No |
| insurer | text | No |
| monthly_premium | int | No |
Relationships:
/api/income/uploadParse and store income data
/api/predict/subsidyRun smoothing and predict
/api/plans/compareGet optimized plans
/api/dashboard/trackSubsidy tracking data
No exports
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 120 | 1.5% | $52 | $624 |
| Month 6 | 900 | 5% | $1,335 | $16,020 |
Qualify for subsidies you didn't know existed with AI income averaging.
Run Twitter poll on freelance income pains, follow up with beta invites. Share in Freelancers Union Slack and LinkedIn groups. Offer free year Pro for case studies.
ACA expertise
Manual input, no freelance focus
Automated income smoothing
Proprietary AI models trained on freelance income data.
Freelance economy exploding + complex ACA rules create demand for smart tools.
AI accuracy issues
Validate with real data pre-launch
Subsidy advice liability
Disclaimer + partner with CPAs
Success: 70% unaware/need help
Success: $ saved testimonials
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