SmartCover Guide

  PPO vs HMO: Which One Is Better for the Self-Employed? If you're self-employed, choosing a health insurance plan can feel overwhelming. Two of the most common options — PPO and HMO — offer very different benefits. Let’s break down the differences and help you decide which one fits your freelance lifestyle in 2025. 🩺 What’s the Difference Between PPO and HMO? Feature PPO (Preferred Provider Organization) HMO (Health Maintenance Organization) Network Flexibility See any doctor, in or out of network Must use network providers only Referrals Not required to see specialists Required from primary care physician Premiums Higher Lower Out-of-Pocket Costs Lower flexibility = more cost Better for routine care 🎯 Pros & Cons for Self-Employed Workers ✅ PPO Pros Freedom to choose any provider Easier access to specialists No referrals required ❌ PPO Cons Higher monthly premiums Higher deduct...

  Best Health Insurance Plans for Freelancers in the USA (2025 Edition) Being a freelancer gives you freedom — but when it comes to health insurance, that freedom can feel overwhelming. In 2025, freelancers face a growing number of insurance options, tax implications, and rising premiums. This guide helps you make smart, confident choices. 🩺 Why Health Insurance Matters for Freelancers Unlike traditional employees, freelancers must buy their own health insurance. Without coverage, a single emergency could wipe out years of savings. No employer coverage Out-of-pocket costs Confusing policy terms (PPO? HMO? Bronze plan?) 📋 5 Best Health Insurance Options for Freelancers in 2025 Plan Type Monthly Premium Best For Oscar Health EPO $$ Tech-savvy freelancers Blue Cross Blue Shield PPO $$$ Nationwide access Kaiser Permanente HMO $$ West Coast residents Aetna CVS Health PPO $$$ Customizable plans ...