Self-Employed
Best Health Insurance for Freelancers in 2025
Complete guide to health insurance options for self-employed individuals and freelancers.
Read More →Find the best health insurance plans for individuals, families, and freelancers. Compare affordable coverage options and save money on medical expenses.
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Understanding health insurance costs and benefits across the United States
Health insurance protects you from high medical costs and ensures access to quality healthcare. The average cost of health insurance in the US varies widely based on age, location, income level, and plan type, ranging from $200 to $800+ per month for individuals.
Protects against unexpected medical bills that can reach thousands
Access to preventive care, specialists, and prescription medications
Required by law in most states, with penalties for being uninsured
*Based on national averages for Silver plans before subsidies
Health insurance costs and available plans vary by state. Find specific information and quotes for your state marketplace.
Understanding different plan types helps you choose the right coverage and costs
Lower monthly premiums, higher deductibles. Good for healthy individuals.
Moderate premiums and deductibles. Most popular choice for families.
Higher premiums, lower deductibles. Good for frequent medical care.
Highest premiums, lowest deductibles. Maximum coverage protection.
Very low premiums, very high deductibles. For young, healthy individuals.
Temporary coverage for gaps in insurance. Limited benefits.
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America's most trusted health plan
Comprehensive coverage nationwide
Quality care, personalized service
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Together, all the way
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Expert advice to help you navigate health insurance options and save money
Complete guide to health insurance options for self-employed individuals and freelancers.
Read More →Learn how deductibles work and how to choose the right deductible for your needs.
Read More →How to qualify for premium tax credits and cost-sharing reductions.
Read More →When you can enroll in health insurance and qualifying life events.
Read More →Get answers to common questions about health insurance
HMO plans require you to choose a primary care physician and get referrals for specialists, but typically cost less. PPO plans offer more flexibility to see any doctor but usually have higher premiums and deductibles.
Yes, under the Affordable Care Act, insurance companies cannot deny coverage or charge higher premiums based on pre-existing conditions. All marketplace plans must cover essential health benefits.
You can enroll during Open Enrollment (typically November 1 - January 15) or during a Special Enrollment Period if you have a qualifying life event like marriage, job loss, or moving.
You may qualify for premium tax credits if your household income is between 100-400% of the Federal Poverty Level. These credits can significantly reduce your monthly premiums.
There is no federal penalty for being uninsured as of 2019. However, some states like California, Massachusetts, and New Jersey have their own individual mandate penalties.
Compare health insurance plans and find affordable coverage that meets your needs.