Freelancing gives freedom — but means buying your own health insurance. In 2025, with ACA subsidies still strong, freelancers have more options than ever.
Top Picks for Self-Employed People
✅ACA Marketplace Bronze or Silver Plans
- Often best after subsidies.
- Covers essential health benefits and caps out-of-pocket costs.
✅High-Deductible + HSA Combo
- Lets you save tax-free for medical expenses.
- If you’re healthy, can build up a big reserve.
✅Freelancers Union or Association Health Plans
- Group pricing, sometimes cheaper than ACA.
- Available in select states.
✅Direct Primary Care + Catastrophic Plan
- Pay a small monthly fee to a local doctor for unlimited visits, plus carry a cheap catastrophic plan.
What About Health Sharing Ministries?
They’re not insurance — just cost-sharing among members. Often exclude pre-existing conditions, pregnancies out of wedlock, or mental health. Use caution.
Key Freelancer Tip
Deduct your premiums. As a self-employed person, your health insurance premiums generally reduce your taxable income.
Bottom Line
Don’t skip insurance hoping you’ll stay healthy. Even a simple appendectomy can cost $30,000. Compare plans on healthcare.gov or via a broker specializing in freelancers.