SmartCover Guide

  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 ...

Best Health Insurance Plans for Individuals in the U.S. (2025) Looking for the best health insurance as a solo adult in 2025? Whether you're self-employed, changing jobs, or aging off your parents’ plan — there are excellent options tailored to individual needs. What Makes a Plan "Best"? There’s no single plan that works for everyone. The best plan for you will depend on: Your age and health conditions Whether you qualify for subsidies (e.g., ACA Marketplace) Your preferred doctors and hospitals Your budget (monthly premiums vs. out-of-pocket costs) Top Individual Plan Options for 2025 ACA Marketplace Bronze/Silver/Gold Plans: Income-based, with preventive care and telehealth included High Deductible Health Plans (HDHP): Pairs with HSAs, best for healthy people who want to save HMO Plans: Lower premiums, limited network — good for budget-conscious individuals PPO Plans: Higher cost, but flexible — choose any doctor without referrals Short-Term Plans: ...