Unique Challenges Freelancers Face

Freelancers are the fastest-growing segment of the workforce in 2025, but getting health insurance as a self-employed worker can still be confusing and expensive. Without employer-sponsored benefits, you’re left to choose between ACA marketplaces, private plans, or short-term options — all while managing costs and compliance yourself.

You also face gaps in income, irregular cash flow, and varying healthcare needs. That’s why picking the right policy matters.

Types of Health Insurance Coverage

• ACA Marketplace Plans: Government-regulated plans with subsidies based on income. These include Bronze, Silver, Gold, and Platinum tiers.
• Private Individual Plans: Offered directly from insurers like Oscar, Kaiser, or Blue Cross — often more flexible but not always subsidized.
• Short-Term Plans: Low-cost, limited coverage — good for temporary gaps but not long-term protection.
• Health Sharing Ministries: Non-insurance groups that share medical costs. Not ACA-compliant but popular among some freelancers.

Marketplace vs. Private Insurance

Which is better depends on your income and medical needs. If you qualify for a subsidy, ACA plans offer essential benefits at a discount. Private insurance may be better for those who earn too much for subsidies and want more provider choices or faster approvals.

Tax Deductions for Freelancers

Good news: If you’re self-employed, your health insurance premiums may be tax-deductible. This includes medical, dental, and even long-term care insurance if you meet IRS requirements.

• Deduction applies only to the months you were not eligible for other coverage
• Reported on your personal income tax (Schedule 1, Line 17)
• Does not require itemization

Where to Compare Health Plans in 2025

• Healthcare.gov (ACA Marketplace)
• eHealth Insurance (Private & ACA)
• Policygenius (Compare Plans + Advice)
• CrowdHealth (Alternative Sharing)