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customers!
Just what you need when you work for yourself, in one spot
We've got you covered
Navigating what's out there can be confusing, so let's look at what you want to do.
Make health expenses less taxing
Save for medical expenses in a tax-advantaged way with a Fidelity Health Savings Account.
Make higher tax-deductible contributions and help keep more of what you earn with a simple-to-create Fidelity SEP IRA.
Keep burnout at bay—put money aside and earn a competitive interest rate with a Fidelity Cash Management Account.
Help ensure that if you’re no longer there, they could maintain their current lifestyle with term life insurance.
Health savings account
Make health expenses less taxing
With a Fidelity Health Savings Account (HSA), save for qualified medical expenses and get solid tax advantages. Make tax-deductible contributions to lower taxable income.
- Tax-free withdrawals from your account for qualified medical expenses
- 15.3% in Self-Employed Contribution Act (SECA) tax savings on any contributions, since you're paying as both employer and employee1
- Tax-free growth on investments
You'll need to be enrolled in an HSA-eligible health plan to get started.
Find affordable health insurance—including HSA-eligible plans
With Stride2, you can search and compare available health insurance plans, and get recommendations based on your health concerns, preferred doctors, budget, and other unique needs. Enroll in about 10 minutes.
Cash management account
Get some time off and give yourself a break
When you work for yourself, a day off is cash out of your pocket. Help build a reserve—consider a Fidelity Cash Management Account3 that can earn interest as you save.
- Some of the industry's most competitive rates—currently 2.72% APY*
- No account fees or minimums to open and maintain the account4
- FDIC-insured up to $5 million on cash balances5
- Spend smarter with free bill pay and debit card, ATM fees reimbursed globally6
*Source: Fidelity rate as of July 31, 2023. FDIC Monthly Deposit Rate as of July 17, 2023.
Not sure about a cash management account? Check out other available options.
Simplified Employee Pension (SEP) IRA
Save flexibly for retirement
Even when you work for yourself, you still need to put money away for retirement. As the employer, you can contribute up to 25% ($66,000 for 2023) of your compensation in a Fidelity SEP IRA.
- Easy to set up and maintain
- Skip contributing for a year or more if you need to
- Earnings are tax-deferred and contributions may be tax-deductible
Not sure if the SEP IRA is right for you? Take a 5-minute quiz to help determine which plan could be right for you.
Term life insurance
Protect your loved ones in your absence
The unthinkable can happen anytime. If it does, without the life insurance coverage an employer might provide, your loved ones could be in a bind without your income. Term life insurance7 can help.
- Your beneficiaries can pay for things like mortgage payments, tuition, credit card debt and more
- Policies ranging from $250,000 to $10 million
- Check out our quote tool to see what you may need
Let's talk costs
Every dollar counts when you work for yourself, so we focus on making things affordable. In most cases, there are no fees associated with these plans.
Health savings account
No account fees or fees for administrative services8
Cash management account
No account fees or minimums3 and ATM fees reimbursed globally5
SEP IRA
No opening cost, closing cost, or annual fee and $0 commission for online US stock, ETF, and options trades†‡
Term life insurance
Costs depend on size and term of your policy
Why choose Fidelity?
Products to fit every stage of your life
Whether you're starting out on your own or have an established small business, we can assist you in finding what works for you.
Service that earns your trust every day
We’ve helped thousands of freelancers and small business owners like you plan for the future and master their own finances.
Here for you
Chat, call, or come in—our dedicated team of professionals are available when you need them.
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