Best Health Insurance Plans for Freelancers in the USA (2025 Edition)

What Insurance Do You Need If You Work from Home Full-Time?

Working from home offers flexibility — but it also shifts more financial responsibility onto you. If you're a remote employee, freelancer, or small business owner operating from your living room, the right insurance can protect your income, assets, and peace of mind. 

🏥 1. Health Insurance

• ACA Plans: Self-employed or remote workers often qualify for government subsidies
• Freelance Health Platforms: Explore SafetyWing or Sidecar Health for international or flexible coverage

🏠 2. Homeowners or Renters Insurance (with Business Rider)

Standard policies may not cover business property (like laptops, printers, or inventory). Ask about a home office endorsement or add-on to cover work-related assets.

🛡️ 3. Liability Insurance

• If clients visit your home, liability insurance protects you from injury claims
• Many contracts with companies may require professional liability (E&O) insurance
• Thimble and Embroker offer short-term and affordable liability coverage for remote workers

💰 4. Disability Insurance

If you can't work due to illness or injury, disability insurance provides income replacement. Remote workers often don’t have this through an employer — but can apply individually via Policygenius or Breeze.

🖥️ 5. Cyber Insurance (Optional but Growing)

If you store sensitive client data, handle payments, or run a home-based eCommerce business — cyber liability insurance can protect you from hacks, data breaches, and ransomware attacks.

Final Thoughts

Remote work isn’t risk-free — it’s just differently risky. Make sure you’re covered across health, liability, income, and property. A little preparation today can prevent a big headache later.