Best Insurance Options for Freelancers and Gig Workers in 2025 Freelancing offers freedom — but also financial risk. Without an employer to provide insurance benefits, independent workers must build their own safety net. In 2025, there are more accessible and affordable options than ever before. 🩺 1. Health Insurance ACA Marketplace Plans: Freelancers may qualify for premium subsidies based on income. HSA-Eligible High-Deductible Plans: Combine with Health Savings Accounts (HSA) for tax-free savings. Alternatives: Sidecar Health or SafetyWing offer nontraditional plans for digital workers and nomads. 💰 2. Disability Insurance If you can't work due to illness or injury, disability insurance replaces a portion of your income. This is especially critical for self-employed professionals with no paid sick leave. 🧬 3. Life Insurance Term life insurance provides low-cost protection if you have dependents. Online providers like Ethos and Fabric offer fast, no-e...