Introduction
Freelancers and gig workers often struggle with finding good, affordable health insurance. Here’s your updated guide to health insurance for the self-employed.
Why It’s Different
As a self-employed individual, you’re responsible for your own health coverage—no employer plans here.
Best Options in 2025
- ACA Marketplace Plans
- Health Savings Accounts (HSA)
- Private Insurance Providers
- Association Health Plans
Tips to Save Money
- Apply during open enrollment
- Qualify for subsidies via income level
- Deduct premiums on your taxes
Pros and Cons
| Pros | Cons |
|---|---|
| Customizable plans | Can be expensive |
| Tax benefits | Limited coverage options |
| Subsidies available | Complex choices |
Conclusion
Health insurance for the self-employed is more accessible than ever, but smart comparison shopping is key. Understand your needs and explore all options available.