Best Health Insurance for Freelancers and Self-Employed in 2025
Health Insurance
As a freelancer or self-employed individual, finding affordable health insurance can be challenging. Unlike traditional employees who receive employer-sponsored coverage, you're responsible for finding and paying for your own health insurance.
Quick Tip: Freelancers can combine ACA marketplace subsidies, short-term plans, and health sharing to balance budget and coverage.
Health Insurance Options for Freelancers
1. Plan Types Overview
Freelancer Health Coverage Options
| Plan Type | Best For | Notes |
|---|---|---|
| ACA Marketplace | Subsidy eligible / comprehensive coverage | Income-based subsidies, full benefits |
| Short-Term | Bridge gaps / lower premium | Non-ACA, limited coverage |
| Health Sharing | Lower budget / community support | Not insurance, rules apply |
2. ACA Marketplace Plans
The Health Insurance Marketplace offers subsidized plans based on your income.
Pros:
- Income-based subsidies available
- Comprehensive coverage
- No pre-existing condition exclusions
Cons:
- Limited enrollment periods
- Can be expensive without subsidies
3. Short-Term Health Insurance
Temporary coverage that can bridge gaps between plans.
Pros:
- Quick approval
- Lower monthly premiums
- Flexible terms
Cons:
- Limited coverage
- No pre-existing condition coverage
- Not ACA-compliant
4. Health Sharing Plans
Faith-based or community-based cost-sharing programs.
Pros:
- Lower monthly costs
- Community support
- Flexible coverage options
Cons:
- Not insurance
- Limited provider networks
- Religious requirements for some plans
Best Health Insurance Companies for Freelancers
- Blue Cross Blue Shield - Wide network, comprehensive coverage
- Kaiser Permanente - Integrated care, competitive pricing
- UnitedHealthcare - Extensive network, digital tools
- Aetna - Good customer service, flexible plans
- Cigna - Global coverage, wellness programs
Cost-Saving Tips for Freelancers
Maximize Tax Deductions
Self-employed can deduct premiums; plan around your tax year.
Use HDHP + HSA
Pair a high deductible plan with an HSA for triple tax advantages.
Shop During Open Enrollment
Compare annually during OE and optimize each year.
Seek Freelancer-Specific Plans
Look for plans tailored to independent workers.
Average Costs by Age Group
Silver Plan Costs (Before Subsidies):
Conclusion
Finding the right health insurance as a freelancer requires careful consideration of your income, health needs, and budget. The ACA Marketplace often provides the best value, especially if you qualify for subsidies. Consider all options and consult with a health insurance broker if needed.