Are There Any Health Insurance Options for Freelancers?
Greg Swanson
One of the biggest questions freelancers face is health coverage. Without an employer-sponsored plan, where do you turn? Luckily, freelancers have more options than ever. This guide breaks down the best health insurance options for freelancers and how to choose the right one for your situation.
Yes—freelancers can get health insurance through ACA plans, private providers, associations, or even spouse coverage.
Marketplace Plans (ACA)
- Affordable Care Act: The HealthCare.gov marketplace offers plans based on income. Many freelancers qualify for subsidies.
- Annual Enrollment: You can sign up during open enrollment or a qualifying life event.
- Coverage Tiers: Bronze, Silver, Gold, and Platinum plans offer different balances of premium vs. out-of-pocket costs.
Freelancer and Trade Associations
- Group Plans: Some freelancer organizations offer access to group health plans at lower rates.
- Examples: Freelancers Union, National Association for the Self-Employed (NASE), and local chambers of commerce.
- Extra Perks: Some associations also offer dental, vision, or telehealth as part of a bundle.
Private Insurance Providers
- Direct Purchase: You can buy coverage directly from insurers like Blue Cross Blue Shield, Cigna, or Oscar.
- Flexibility: Private plans may offer more coverage options but often cost more without subsidies.
- Use a Broker: Insurance brokers can help compare plans and find the best fit for your health and budget needs.
Other Health Insurance Paths
- Spouse or Partner Plans: If your partner has employer-based insurance, you may be able to join their plan.
- Medicaid: If your income is very low, you might qualify for Medicaid depending on your state.
- Short-Term Insurance: Temporary plans cover major emergencies and are cheaper—but offer less protection overall.
Choosing the right freelancer health plan depends on your income, coverage needs, and long-term goals. Always compare options, understand deductibles, and don’t delay—being uninsured can be costly. Take charge of your health coverage today and explore more freelance FAQs to stay protected and informed.
Updated: June 23, 2025
Are there any health insurance options for freelancers?
Yes—freelancers can access health insurance through ACA marketplace plans, private insurers, trade associations, or a spouse’s coverage.
Can freelancers get insurance through associations?
Yes, groups like the Freelancers Union and NASE offer access to group health plans and additional benefits like dental or vision.
Is private insurance a good option for freelancers?
Private insurance offers flexibility and broader coverage but may cost more without subsidies, so it's best to compare with ACA options.
Can freelancers qualify for Medicaid?
Yes, freelancers with low income may qualify for Medicaid depending on their state's eligibility rules.
What’s the best health insurance plan for self-employed workers?
The best plan depends on your income, health needs, and whether you qualify for ACA subsidies or access a group plan through an association.
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Greg Swanson
Greg Swanson is a technology and business writer with 12+ years of experience in AI and digital innovation. He specializes in AI-driven business growth, SEO, and emerging tech trends, offering actionable insights to help businesses stay ahead in a competitive online world.