Health Insurance for Freelancers in the US – Complete Guide (2025)

Freelancing offers flexibility and freedom, but it also comes with certain responsibilities, like finding your health insurance. Unlike traditional employees, freelancers in the U.S. don’t get health coverage through an employer, which makes it important to explore other affordable options.

In this guide, we’ll explain everything you need to know about health insurance for freelancers in the United States, including where to find it, how much it costs, and how to choose the right plan.

Why Health Insurance Matters for Freelancers

• Pay for unexpected medical expenses
• Access preventive care and regular checkups
• Protect your finances from costly hospital bills

Without insurance, a single emergency room visit or surgery could wipe out your savings. That’s why it’s important to choose a plan that fits your health needs and budget.

Health Insurance Options for Freelancers in the US

Here are the most common ways freelancers can get health coverage:

1. Health Insurance Marketplace (Healthcare.gov)

The Affordable Care Act (ACA) created the federal Marketplace, where freelancers can compare and buy individual health plans.

• Open enrollment runs from Nov 1 to Jan 15
• Based on your income, you may qualify for premium subsidies or cost-sharing reductions
• Plans are categorized into Bronze, Silver, Gold, and Platinum levels

Tip: Use Healthcare.gov to estimate your monthly cost and potential tax credits.

2. Private Health Insurance Providers

• Blue Cross Blue Shield
• Kaiser Permanente
• UnitedHealthcare
• Aetna

These plans may offer broader networks or extra benefits, but usually don’t come with subsidies.

3. Freelancer or Professional Associations

Some freelancer unions and associations offer group health insurance or access to discounted plans. Popular options include:

• Freelancers Union
• National Association for the Self-Employed (NASE)
• ACA-compliant group plans through co-ops or chambers of commerce

Health Insurance for Freelancers in the US

4. Short-Term Health Insurance

• Typically cheaper
• Not ACA-compliant (may not cover pre-existing conditions)
• Best for low-risk freelancers who want minimal coverage

 

5. Health Sharing Programs

These are not traditional insurance plans but cost-sharing communities, often religious-based.

• Lower monthly costs
• Limited coverage & not controlled by insurance laws
• Not ideal for major medical needs

How Much Does Health Insurance Cost for Freelancers?

The cost depends on factors like:

• Your age
• Location
• Income (for ACA subsidies)
• Plan type and coverage level

Average monthly premium (after subsidies):

• Bronze Plan: $50 – $150
• Silver Plan: $100 – $300
• Gold Plan: $200 – $400+

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Important Things to Evaluate Before Selecting a Health Insurance Plan

When comparing plans, consider:

• Monthly premium vs. out-of-pocket costs
• Deductibles and copays
• Coverage for prescriptions and specialists
• Mental health and preventive care coverage

Also, check if the plan covers telemedicine, which is great for freelancers working remotely.

Tax Deductions for Freelancers’ Health Insurance

Good news: If you’re self-employed, your health insurance premiums may be tax-deductible.

Final Thoughts

Finding health insurance as a freelancer may seem challenging at first, but there are plenty of options available. Whether you choose a Marketplace plan, go through a freelancer association, or buy directly from a provider, the key is to compare costs, coverage, and benefits carefully.