Skip to main content

Can independent contractors participate in my CHOICE?

No. CHOICE is an employee benefit under IRS rules, and independent contractors (1099 workers) are not employees, so they aren't eligible to participate. Only W-2 employees can receive CHOICE benefits.
​

If you want to provide a health benefit to contractors, you might consider a taxable stipend or other arrangement, but it cannot be structured as CHOICE. Proper worker classification is critical—consult your legal or tax advisor if you're unsure about a worker's status.

Did this answer your question?