As a freelancer in the United States, you enjoy the freedom of being your own boss, setting your own schedule, and pursuing your passions. However, one significant challenge is securing affordable and reliable health insurance without an employer to provide it. With healthcare costs on the rise, finding the best health insurance options for freelancers is crucial to protect your health and finances. In this comprehensive guide, we’ll explore top health insurance choices tailored for freelancers, helping you make an informed decision in 2025.
Why Freelancers Need Health Insurance
Freelancers don’t have access to employer-sponsored group plans, which often subsidize premiums and simplify coverage. Without insurance, a single medical emergency could lead to crippling debt. Whether you’re a graphic designer, writer, or gig worker, securing the right health insurance ensures peace of mind and lets you focus on your work. The good news? There are plenty of viable options for self-employed individuals in the US.
Top Health Insurance Options for Freelancers in 2025
Here are the best health insurance options for freelancers in the US, based on affordability, coverage, and flexibility.
1. The Health Insurance Marketplace (ACA Plans)
The Affordable Care Act (ACA) Marketplace, accessible via HealthCare.gov, is a go-to option for freelancers. It offers a range of plans categorized into Bronze, Silver, Gold, and Platinum tiers, each with varying premiums and out-of-pocket costs.
- Why It’s Great for Freelancers: You may qualify for premium tax credits and subsidies based on your income, significantly lowering costs. In 2025, enhanced subsidies continue to make ACA plans more affordable.
- Key Benefits: Covers essential health benefits (e.g., preventive care, hospitalization, prescription drugs) and prohibits denial based on pre-existing conditions.
- Cost: Average full-price premiums are around $600/month, but with subsidies, many pay as little as $100/month.
- How to Enroll: Open enrollment runs from November 1 to January 15, though special enrollment periods (SEPs) are available for life events like losing a job or moving.
Best For: Freelancers seeking comprehensive coverage with potential cost savings.
2. Spouse or Partner’s Employer-Sponsored Plan
If you’re married or in a domestic partnership, joining your spouse’s or partner’s employer-sponsored plan can be one of the easiest and most cost-effective options.
- Why It’s Great for Freelancers: Employers often cover a portion of the premium, reducing your out-of-pocket costs.
- Key Benefits: Access to a group plan’s broader network and benefits without navigating the individual market.
- Cost: Varies by plan, but typically cheaper than buying solo coverage.
- Considerations: Check if the employer offers spousal coverage and compare costs to individual plans.
Best For: Freelancers with a working partner or spouse.
3. Medicaid
For freelancers with lower incomes, Medicaid provides free or low-cost health coverage through a federal-state partnership.
- Why It’s Great for Freelancers: If your income is below 138% of the federal poverty level (about $20,700 for an individual in 2025), you may qualify in most states.
- Key Benefits: Comprehensive coverage with little to no premiums or copays.
- How to Apply: Visit HealthCare.gov or your state’s Medicaid website anytime—no enrollment period required.
- Eligibility: Varies by state, as some have expanded Medicaid under the ACA while others haven’t.
Best For: Low-income freelancers needing affordable care.
4. COBRA Coverage
If you recently left a full-time job to freelance, COBRA (Consolidated Omnibus Budget Reconciliation Act) lets you extend your employer’s health plan for up to 18 months.
- Why It’s Great for Freelancers: Maintains the same coverage you’re familiar with during your transition to self-employment.
- Key Benefits: No gaps in coverage or changes in providers.
- Cost: Expensive—you pay the full premium plus a 2% fee (often $500–$1,000/month).
- How to Enroll: Contact your former employer within 60 days of leaving.
Best For: Freelancers needing temporary coverage while exploring long-term options.
5. Freelancers Union and Professional Associations
Organizations like the Freelancers Union and industry-specific groups (e.g., Writers Guild of America) sometimes offer group health insurance plans for members.
- Why It’s Great for Freelancers: Group rates can be lower than individual plans, and plans are tailored to freelancers’ needs.
- Key Benefits: Additional perks like dental, vision, or disability insurance may be available.
- Cost: Varies by organization and location—check with your local chapter.
- How to Join: Sign up for free or a small fee with the union or association.
Best For: Freelancers in creative or professional fields with access to these groups.
6. Private Health Insurance Plans
Purchasing a plan directly from insurers like Blue Cross Blue Shield, Kaiser Permanente, or UnitedHealthcare is another option for freelancers.
- Why It’s Great for Freelancers: Offers flexibility in choosing coverage levels and providers.
- Key Benefits: Wide networks and customizable plans (e.g., HMOs, PPOs).
- Cost: Typically $400–$700/month without subsidies, depending on the plan and your location.
- Considerations: No tax credits available unless purchased through the Marketplace.
Best For: Freelancers who prioritize specific doctors or higher-tier coverage.
7. Health Savings Account (HSA) with High-Deductible Plans
Pairing a high-deductible health plan (HDHP) with an HSA allows you to save pre-tax dollars for medical expenses.
- Why It’s Great for Freelancers: Lower premiums and tax savings make this budget-friendly for healthy individuals.
- Key Benefits: Funds roll over year-to-year, and you can invest them for future healthcare needs.
- Cost: HDHP premiums average $300–$500/month, with deductibles starting at $1,500.
- How to Start: Choose an HSA-eligible plan via the Marketplace or a private insurer.
Best For: Young, healthy freelancers looking to save on premiums.
How to Choose the Best Health Insurance for You
Selecting the right plan depends on your unique needs as a freelancer. Consider these factors:
- Budget: Calculate your monthly income and how much you can allocate to premiums and out-of-pocket costs.
- Health Needs: Do you need regular doctor visits, prescriptions, or specialty care? Opt for plans with lower deductibles if so.
- Location: Some plans (e.g., Kaiser Permanente) are regional, so check availability in your state.
- Flexibility: Decide if you prefer a broad provider network (PPO) or are okay with a limited one (HMO) for lower costs.
Tips for Saving on Health Insurance as a Freelancer
- Apply for Subsidies: Use HealthCare.gov to see if you qualify for ACA tax credits.
- Deduct Premiums: Self-employed individuals can deduct 100% of health insurance premiums on their taxes.
- Shop Around: Compare plans annually during open enrollment to find the best rates.
- Consider Short-Term Plans: For gaps in coverage, short-term health insurance can be a low-cost bridge (though less comprehensive).
Conclusion: Secure Your Health as a Freelancer in 2025
Finding the best health insurance as a freelancer in the US doesn’t have to be overwhelming. Whether you opt for the ACA Marketplace, join a spouse’s plan, or explore private insurance, there’s a solution for every budget and lifestyle. Start by assessing your income and healthcare needs, then explore options like HealthCare.gov or professional associations. With the right coverage, you can focus on growing your freelance career without worrying about unexpected medical bills.
Ready to get started? Visit HealthCare.gov today or consult an insurance broker to find the perfect plan for you in 2025.
