Health Insurance for Massage Therapists

MASSAGE Magazine Insurance Members Have Access to Health Insurance

With the ever-present risk of viruses, allergies, injuries, and other ailments, it is more important than ever to have access to health care. Specifically, as a massage therapist, it is vital to take care of yourself so that you can provide the best care for others. Performing massage is tough on your body and can take its toll over time. In addition, most massage therapists are self-employed, which is terrific; however, as a self-employed worker in the massage industry, it can be challenging to find affordable health insurance for massage therapists. 

That’s why MASSAGE Magazine built an Insurance Plus Marketplace where our insurance members can access group rates on health, dental and vision insurance plans for you and your family.

Health Insurance for Massage Therapists

How It Works

When you become a Massage Magazine insurance member by purchasing a liability insurance policy, we are able to provide you with access to our Insurance Marketplace where you can book one-on-one consultations with expert advisers to help you find the right health insurance plan for your specific needs and to make sure you get every discount that you qualify for.

With options for both ACA (Affordable Care Act) massage therapy health insurance plans and Non-ACA massage therapy health insurance plans, you have a range of options to get the ideal coverage for your budget and health care needs. Need dental or vision coverage too? We’ve got you covered.

Once you become a member, you will be able to access this coverage through your member benefits program in your insurance portal.

Three Liability Insurance Options To Choose From

part-time policy

Only practice part-time? Save $10 on coverage with our part-time policy




  • For those who work fewer than 10 hands on hours per week 
  • Instant proof of insurance certificate
2 year policy

Purchase our two-year policy option and lock-in an annual rate of only $149. 




  • Save $39 with this option
  • Over $1,800 in industry discounts
  • Instant proof of insurance certificate

Why do massage therapists need health insurance?

There are several benefits to protecting yourself with health insurance. Unfortunately, the likelihood of health risks has undoubtedly increased over the past few years, and health insurance has become necessary to help cover medical costs. 

Gaining health insurance for massage therapists provides a financial safety net to help protect you from the price of a medical ailment or medical attention for an injury. 

Some of the reasons you need health insurance are:

  • Giving massages is tough on the body. As a massage therapist, you likely work long hours on your feet performing massage. This intense bodywork places a good amount of strain on your body and can eventually cause injury. The everyday work that massage therapists do with their arms, back, thumbs, and hands is hard work that can weigh on you if you do not take proper care of yourself. 
  • Illness can happen to anyone. One of the unfortunate lessons we have learned from the effects of a global pandemic is that everyone is susceptible to sickness. Illnesses like COVID-19, the flu and the common cold do not discriminate against anyone. Getting the necessary medical help to be well again is vital to help avoid long-term complications. Even the cost of visiting an urgent care center can prove to be unaffordable without some sort of health coverage. 
  • Maintaining your personal health helps you provide the best massage therapy. It goes without saying that you are not able to provide massage therapy if you are sick or injured. Having health insurance for massage therapists enables you to have regular visits to the doctor to monitor and maintain your personal health. By keeping yourself well taken care of, you are able to avoid missing appointments with clients due to illness. 
  • You have a pre-existing condition that requires special treatment. If you have a pre-existing condition like asthma or diabetes, you will need access to frequent therapy, tests, and medical examinations to maintain your condition. Fortunately, the ACA has made coverage for pre-existing medical conditions much more accessible. With an ACA major medical insurance policy, medical supplies, tests, and doctor visits are much more affordable.

Learn more about why you need health insurance for massage therapists here.

The Perfect Health Insurance Plans for Everyone

A key benefit to this health insurance plan is the access to a wide array of options where you can choose which health insurance plan best fits your budget, health care needs, and other factors. There are two main accessible classes for health insurance for massage therapists: ACA (major medical) and Non-ACA (short-term) plans along with dental and vision add-on options.

Although the two types of health insurance coverage for massage therapists have some distinct differences, both are centered around meeting your health care needs. No matter what your medical needs are, there is a massage therapy insurance plan to meet your health care requirements.

ACA Major Medical Health Insurance for Massage Therapists

The first and most comprehensive insurance coverage is through ACA major medical plans. Major medical plans have several positive benefits as well as a few downsides to consider. Depending on your level of coverage needs, an ACA plan may be exactly what you need. Overall, ACA health insurance programs are more comprehensive, offer better coverage for those with pre-existing conditions, and provide more coverage for consistent medical maintenance. 

Some of the best benefits of major medical insurance are: 

  • Major medical offers more comprehensive coverage. As one of the best points in favor of an ACA plan, major medical plans cover more than a short-term non-ACA insurance plan. ACA health insurance coverage will include some prescription drugs, hospitalization, maternity costs, and doctor visits. This means that the cost of maintaining your health on a consistent basis will cost you less when you have to seek medical attention. 
  • You cannot be denied coverage because of a pre-existing condition. For those living with a pre-existing medical condition, major medical plans help provide consistent coverage for the necessary care and medications to manage your health. A major medical plan cannot be denied to you for having these conditions, whereas some short-term plans can be rejected for a pre-existing condition. 
  • Major medical plans are renewable. As long as the health insurance package is still available, you can renew your plan yearly. Short-term health insurance plans must be reapplied annually, which can be a hassle and inconvenience. 

Although health insurance benefits for massage therapists through ACA major medical plans are great, there are some negatives to consider. Some of the downsides to think about are:

  • ACA health insurance plans have a higher monthly premium. Because major medical plans offer more benefits and coverage than short-term insurance, they have a higher monthly premium. This upfront cost will vary from plan to plan but is still a major contributing factor when finding the right health insurance for massage therapists. 
  • ACA plans have limited application windows. Unlike short-term plans where you can apply year-round, major medical plans have specific times of the year or require particular prerequisites. These requirements can deter some from choosing an ACA health insurance package. 
  • ACA health insurance plans take longer for coverage to take effect. On average, a major medical plan will take 4-6 weeks for coverage to become active. Short-term coverage usually begins within 10-14 days.

Non-ACA Short-Term Health insurance for Massage Therapists

In contrast to major medical coverage, non-ACA packages can be a more affordable option for health insurance for massage therapists. However, it is not as comprehensive as major medical. Short-term health insurance provides a just-in-case parachute of protection for medical issues. Non-ACA plans typically help cover the cost of emergency medical situations, doctor visits, and unexpected surgeries. However, short-term health insurance will not cover the cost of treatment for some pre-existing conditions. 

Health insurance for Massage Therapists

Non-ACA plans typically help cover the cost of emergency medical situations, doctor visits, and unexpected surgeries. However, short-term health insurance will not cover the cost of treatment for some pre-existing conditions. 

Some of the benefits of choosing a short-term plan for your massage therapist's health insurance are:

  • It is often easier to qualify for short-term health insurance. Because non-ACA health insurance has fewer restrictions on applications, they are often more accessible. You can apply for short-term insurance at any point in the year, regardless of open enrollment or meeting the prerequisite life changes. 
  • Non-ACA plans cost less than ACA plans. On average, short-term health insurance plans have a lower monthly premium than ACA. If you have fewer medical issues, the lower monthly cost of a non-ACA plan may be correct for you.

There are some downsides to consider when looking at non-ACA plans, such as: 

  • Non-ACA plans offer less overall coverage. While they cost less per month, short-term health coverage will typically not cover things like maternity costs and other medical conditions. 
  • No coverage for pre-existing conditions. While non-ACA plans typically cover new conditions, short-term health insurance plans do not cover most pre-existing conditions. This means the treatment could be denied for coverage, and you may not be able to maintain your health with full coverage. 
  • You need to reapply every year for a non-ACA plan. Unlike major medical plans, you need to reapply for short-term coverage at the end of the coverage. This could be tiresome over time. 
  • Non-ACA plans are not eligible for government subsidies. Unlike major medical plans, short-term health plans do not qualify for government subsidies. This means that while it is cheaper overall, there is no government aid for non-ACA plans. 

Find the Plan that Meets Your Needs

There's much to consider when looking at health insurance for massage therapists. Look at the massage therapist insurance plan that fits your budget and medical care needs. Contact our team to learn more about the benefits we offer for policyholders of massage therapy insurance. 

Health Insurance for Massage Therapists FAQs

Is health insurance necessary for massage therapists?

As a professional in the health and wellness industry, ensuring you have sufficient health coverage can be a vital part of your career and your personal health. Each massage professional will decide for themselves what's best; however, health insurance can be beneficial in many ways. Sufficient health coverage can help massage professionals get the medical care they need on a regular basis. 

When you have health insurance, your doctor visits, prescriptions and medical expenses may all be paid for, in whole or part. Although health insurance is an investment, it is an investment in your health and well-being.

Do I have the option to choose my own massage therapist health insurance plan? 

Absolutely. You can choose your own policy from the health insurance marketplace. As part of our benefits package, our policyholders have instant access to a plethora of health insurance options. You have the opportunity to choose from both major medical plans and short-term policies. Depending on your health needs and coverage goals, you can find a health insurance policy that fits just right. We care for our patrons and give you various massage therapists' health insurance options. 

When you choose MASSAGE Magazine for your massage therapy insurance, you'll experience a world of difference. We go above and beyond to ensure our policyholders have everything they need to feel confident in their coverage.

How much does health insurance cost for a massage therapist? 

Plan cost depends on the specific plan you choose. Access to a complete health insurance marketplace gives you plenty of options for massage therapists' health insurance plans. Major medical plans will tend to be more costly than short-term policies; however, major medical plans may also be eligible for financial aid from the government. This government aid can significantly offset the cost of your health insurance monthly premium. 

As a benefit to our policyholders, we provide instant access to a wide array of options for massage health insurance plans. If you need massage therapy liability insurance, get insured today and start your benefits immediately.

Are there other options apart from major medical plans? 

Most definitely. With complete access to the health insurance marketplace, you are not limited to which policy you can choose. While major medical plans are more comprehensive, they may not be inside everyone's budget. Non-ACA plans can offer some protection at a lower premium. Short-term health insurance plans may be a great option if you need minimal coverage and want to save some cash. 

The downside of non-ACA plans is they may not provide the coverage you need in an unexpected health crisis. Short-term plans are also not eligible for renewability when their term expires. At the end of a policy, you will have to reapply for coverage each time. These may be deterrents for some health insurance shoppers. 

What's the difference between ACA and non-ACA health insurance plans?

Affordable Care Act (ACA) plans are major medical insurance plans. Major medical plans are more comprehensive and provide more thorough coverage than short-term coverage or non-ACA plans. ACA plans are considered more long-term health coverage plans than non-ACA policies. Typically, these terms are in annual increments and are eligible for renewal at the end of a policy. 

On the other hand, non-ACA plans or short-term health insurance policies typically have a lower premium than major medical plans. Short-term policies can have policy terms as short as three months and last up to six months. While this coverage is less comprehensive than ACA plans, it may be more affordable when working with a budget. These plants provide coverage for emergencies and some general medical expenses.

Is one insurance company better than the other? 

It depends on your coverage needs. While some insurance companies may provide outstanding insurance in one area, another may offer benefits you value more. The coverage you receive can vary between insurance companies. It's essential to look at each policy individually to gain insight into which provider will best meet your needs. Though insurance companies may seem the same on the outside, the specific policy can significantly affect your insurance coverage. 

Consider reading reviews and customer criticisms before choosing your insurance company. Learning about others' experiences can help you make an informed decision about your insurance provider. If applicable, you should also check to make sure your doctor and pharmacy are in-network for the specific plan you choose.

How do I choose a health insurance plan that's right for me? 

There's no such thing as a universal health insurance policy that works for everyone. Each massage therapist will determine the right coverage for their health and medical needs. Additionally, your budget will be a significant deciding factor in your chosen policy. As you shop for health insurance for massage therapists, it's important to consider these factors: 

  • The coverage you want and need

  • Your monthly budget 

  • Financial aid possibilities 

  • Pre-existing conditions 

  • Who your policy will cover (family members under your policy)

  • Doctors, pharmacies, and other in-network providers 

There are several things to think about when looking for health insurance. Be sure to find the right policy that meets your needs and budget. 

How soon does my health insurance coverage start? 

The waiting period for your coverage will vary based on the approval process for each company and the type of plan you choose. Major medical plans tend to have a lengthier approval process than short-term health insurance plans. Insurance providers will consider your application, and your coverage will begin once approved. The typical approval time for non-ACA plans can be within just a few weeks. Major medical plans can take up to a month or two for your coverage to begin. 

Conversely, your massage therapy insurance is active from the moment you register for insurance. You also have instant access to all your benefits, including the health insurance marketplace. This policyholder perk lets you start the application process to activate your health insurance coverage as soon as possible. 

Will my health insurance protect me if I get sick? 

When you get sick or have an injury, coverage is the last thing you want to worry about. Doctor visits, prescriptions, and trips to the emergency room are just a few examples of medical costs. As you shop for massage therapy health insurance, you will want to have confidence you are covered if you get sick. 

Coverage details will vary based on your chosen plan and insurance provider. However, health insurance aims to help cover the cost of illness or medical crises. Most plans will provide coverage for sickness and emergency situations. ACA and non-ACA plans differ in the specific provision they offer. When you search the health insurance marketplace, look for a policy that includes coverage that suits your medical needs.

Are there plans that include long-term illness coverage? 

Yes. Several massage therapy health insurance plans include coverage for long-term disability or illness. Of course, coverage details will depend on the specific policy you choose. However, there are several options to choose from that include long-term illness protection. 

A significant benefit of the health insurance marketplace available to our policyholders is the wide range of plan options. Our customers can choose from numerous insurance companies and policies to fit their budget and coverage needs. Most plans that include long-term illness coverage will be ACA (major medical) plans. However, if long-term disability or illness is a priority for your insurance plan, you can find a policy that fits your criteria.

Can I find a plan that matches my budget? 

Finding a health insurance plan that stays within a budget is a high priority for many massage therapists. Our policyholders have access to a health insurance marketplace for massage therapists with a wide range of plans. The cost of plans will vary. However, there is a plan available for everyone. Short-term health insurance plans for massage therapists are often more affordable than major medical plans. These non-ACA plans may provide reasonable coverage options when you're working with a smaller budget. 

Major medical plans are often eligible for government financial aid. Government-provided subsidies can help make major medical policies more affordable for massage professionals. If your budget is your primary concern, you have several options for affordable health insurance.

Will health insurance provide coverage if I have an emergency? 

Most policies include some coverage for emergency situations. Sudden illness, injuries, or other medical emergencies can happen to anyone. Both major medical and short-term insurance plans typically provide protection for sudden emergencies. However, the exact amount of coverage will vary based on the specific policy and provider you choose. Some policies may include more coverage or have a higher deductible than others. 

While no one wants to think about an emergency situation, having a plan is important. As you look for health insurance, check what coverage is provided for medical emergencies. You may want your coverage to include emergency room visits, emergency transportation, and other costs associated with a medical crisis. Find a plan that provides the coverage you need if it's within your insurance budget.

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