Top Health Insurance Options for Freelancers in 2025

Top Health Insurance Options for Freelancers in 2025

Being your own boss has perks — but finding health insurance isn’t one of them. In 2025, freelancers have more coverage options than ever, but choosing the right one can still feel overwhelming.

🩺 What Freelancers Should Look For

• ✅ Affordable monthly premiums
• ✅ Low deductibles for frequent care
• ✅ Nationwide provider networks
• ✅ Telehealth services
• ✅ Mental health coverage
• ✅ HSA-eligible options

🔍 3 Main Options in 2025

Plan Type	Best For	Examples
Marketplace Plans	General freelancers	Healthcare.gov, State Exchanges
Freelance Platforms	Gig workers with clients	Fiverr, Upwork Benefits
Private Insurance	High income / custom coverage	UnitedHealthcare, Oscar, eHealth

💸 Sample Premiums (Age 30, Non-Smoker)

• Marketplace (Silver Plan): ~$350/month
• Oscar Health (Individual Plan): ~$410/month
• UnitedHealthcare PPO: ~$490/month

*Rates vary by state, income, and medical history.*

🧾 Documents You’ll Need

• Proof of freelance income (1099s, invoices)
• Tax return (Schedule C or SE)
• ID and address
• Bank info for payments or subsidies

💡 Tips to Save

• Use HSA plans if you're healthy
• Compare deductibles vs. premiums carefully
• Sign up during Open Enrollment or SEP
• Consider using a broker (free for you)

Your health matters as much as your hustle.