Best Health Insurance for Freelancer

Last Updated:

Health Insurance for Freelancers
We may receive compensation from the below providers if you purchase through the links provided. 
 Read more here

Self-employment or freelancers keeps on rising, reaching its highest level since the year 1957. If you are one of the millions of self-employed individuals, you may fret about looking for cheap and high quality health insurance.

Usually, you may meet the requirements to sign up for a new health insurance plan in the open enrollment time, which occurs every fall—qualifying events like losing past health insurance, having a baby, and getting married.

Health Insurance For Freelancer

We made a list of the most reliable health insurance for freelancers. This will assist you find the most fitting for you.

Affordable Act Care

The Obamacare or Affordable Care Act made a health insurance marketplace where freelancers are able to obtain insurance coverage for themselves and their loved ones. This is a viable choice, regardless of your employment status.

To obtain a health plan via ACA, you want to acquire a plan during the Open Enrollment stage. Federal Open Enrollment lasts from November 1st to December 15th. You can register for a healthcare plan during that stage, and then the health coverage will start on the 1st of January and cover you for the whole year.

You may also be eligible for Special Enrollment once you experience a main life event such as divorce, marriage, labor, or loss of your job. An occasion, which qualifies you for Special Enrollment, is called a qualifying life event. Therefore, if you have full-time work and choose to quit becoming a freelancer, you will be eligible for Special Enrollment. Health insurance plans on hand in the marketplace all provide similar health benefits. However, monthly premiums, as well as other prices, might differ depending on your location.

COBRA For Freelancers

As stated above, you will be eligible for Special Enrollment once you resign and want to get individual coverage. However, if you want to stay on an employer-sponsored plan, you can utilize COBRA or Consolidated Omnibus Budget Reconciliation Act.

Cobra is a healthcare program that allows workers to keep their employer-sponsored insurance program once they resign; it doesn’t matter if it is voluntary or not. This plan works through converting a group health insurance plan to an individual one. The company’s insurance must be able to give you a recommendation on your qualification as well as the expense of the coverage. COBRA coverage is costly. Your employer typically subsidizes the health coverage for you, meaning the cost you give out is not the full price of a health insurance plan. Once you opt to this coverage, you will require giving out the insurance plan’s total cost and a two percent admin fee. This will cost you a lot, so it might just be feasible as a short-term option.

Even when you like your insurance plan, ensure to compare the full expense of the COBRA coverage with the fee of other insurance plans available. Talk to the insurance provider to know more about COBRA coverage cost. After leaving your job, you must also get a letter from the insurance provider explaining how the health insurance works as well as the actual monthly premium.

Professional Associations

Once your job has an organization or becomes a member of an independent worker organization or self-employed worker association, you can get group health insurance through Professional Associations. This allows people to band together as group members that are the same to their group insurance. Freelance Union is a good example. They provide a health insurance plan, supplemental medical plans, which include life insurance and dental coverage. The site also provides a subsidies guide, FAQ page, as well as a glossary of health insurance terms and tips on picking the best plan made to your preferences and needs.

Short Term or Temporary Insurance

This kind of health insurance plan does not give you the perks of coverage options provided by the ACA plans. This might be a short term or temporary choice to think of once you overlook the open enrollment time and wish to keep away from paying medical expenses until you are able to obtain ACA plan coverage.

Business Group or Local Chamber

For many years, the Chamber of Commerce offers a cheap group plan for excellent coverage members. Look into whether a professional organization or local business may have

For several years, my city Chamber of Commerce offered an affordable group plan for members that had pretty nice coverage! Also, some national associations can help freelancers like you.

High Deductible Private Insurance

In case you are earning a good income and do not meet the criteria for ACA subsidized care, you may find yourself considering family or individual insurance plans. After getting over the sticker shock, it can run USD1,000 or more for a family with four members to obtain an insurance plan with low deductibles; think of getting a bare-bones insurance plan, which secures you from full disaster. You will give out most routine medical attention, though being with the insurance plan might entitle you to substantial discount rates.


unitedhealthcare homepage
An auxiliary of UnitedHealth Group, UnitedHealthcare is considered the largest health insurance company in the US. This was founded in the year 1977 and had an A rating.

UnitedHealthcare provides wide health insurance coverage with benefits in various states and more than 130 countries. In 2019, this health insurance for freelancers included 1.3 million doctors and other medical care professions and over 6,500 hospitals. This health insurance company provides an array of products such as Medicare, health insurance, short-term insurance, Medicaid, dental, vision, as well as supplemental coverage.

UnitedHealthcare earns the second spot as it provides coverage in all states in the US. Also, it has a superb network of healthcare experts and providers. UnitedHealthcare also stands out when it comes to technology that might make their providers cheaper and more efficient.

Kaiser Permanente

kaiser permanente homepage
This is another reliable healthcare insurance for a freelancer with a remarkable reputation. Kaiser Permanente was established in 1945. This company earned high scores of 4.0 and 5.0 with NCQA together with prominent rankings.

The company provides health insurance in various states in the US, such as Georgia, Colorado, California, Washington, Virginia, Oregon, Maryland, and Hawaii, for more than 12.4 million members. Kaiser Permanente has a vast network that takes account of 715 medical officers, 39 hospitals, 63,306 nurses, and 23 271 physicians.

You might have access to an array of health plans, which takes account of Medicaid, Medicare, health savings account, and high deductible health plans-eligible plans as well as catastrophic plans. The availability of plans depends on where you reside.

The commitment and solid reputation of the company make it the best when it comes to preventive care. By concentrating on prevention, you might keep healthier and save cash in due course. The high level of customer satisfaction also makes this health service provider apart from the rest.


There are many techniques freelancers can utilize to find the cheapest health insurance policy. The fact that health insurance is based on many factors, your case and requirements become a vital aspect in determining what insurance plan will suit you best.

About the Author

Skip to


Related Articles

best project management tools featured image
Best Project Management Tools
best keyword research tools featured image
Best Keyword Research Tools
Best SEO platforms
Best SEO Platforms in 2023
Best AI Content Tools for Freelancers
The Best AI Content Tools Listed for Freelancers in 2023
rising talent badge on UpWork
How to Get The Rising Talent Badge on Upwork?
How to Become a Freelance Photographer With No Experience featured image
How to Become a Freelance Photographer With No Experience
Living on the Move: Exploring the Nomadic Lifestyle featured image
Living on the Move: Exploring the Nomadic Lifestyle
How to Effectively List Freelance Work on LinkedIn featured image
How to Effectively List Freelance Work on LinkedIn
How to Be a Freelance Social Media Manager
How and Why to Write a Cover Letter for Remote Position
How to Become a Successful Freelance HR Consultant
Guide on How to Give Prompts and Talk to GPT-3
How To Use Jasper AI Recipes
Guide on How to Use Jasper Boss Mode
How to Use GPT-3 in OpenAI Playground
5 Ways You Can Showcase Your Freelance Services Online
Freelance Pricing 101: The Ultimate Guide on How to Price Yourself
Accounting 101: For Freelancers and Self-Employed
How to Negotiate as a Freelancer [3 Sample Email Templates Included]
Freelancing Red Flags
5 Most Common Client Red Flags in Freelancing
Best PayPal Alternatives for Freelance Payments
Best PayPal Alternatives For Freelance Payments
How to become successful in freelancing
How To Be Successful in Freelancing? 7 Highly Useful Tips
Easy Online Part-Time Jobs
10 Easy Online Part-Time Jobs to Enjoy Self-Earned Money
Freelancers Visa - Best Countries to Work as a Freelancer
Freelancer Visa: Best Countries to Work as A freelancer
Why Personal Branding for Freelancers Is Important
Why Is Personal Branding Important for Freelancers like You?
Best Freelance Jobs For College dropouts
The Best Freelance Jobs For College Students
Co Working Space vs Traditional Office
Coworking vs Traditional Office Spaces – Choose Perfect Option that Fits
History of CoWorking Spaces
History of Coworking Space: The Complete Timeline for New Startups
Concept of Hot Desking
Hot Desking: All You Need to Know
Canva Transparent Background Guide
How to Create a Transparent Background With Canva
How to become a content writer with no experience
How to Become a Freelance Writer with No Experience?
Images in Webflow
A Guide to Working With Images in Webflow – Webflow Images
Most Frequently Asked Questions About Canva
Canva: The Guide to Frequently Asked Questions
Tips for Better Mental Health for Remote Freelancers & Workers
How To Take Care Of Your Mental Health While Working Remotely
Can You Use Canva Pro Images for Commercial Use
Can You Use Canva Pro Images for Commercial Use? An Honest Guide
How to Use Duda for Website Building
How to Use Duda Website Builder
SemRush For Keyword Research
How to Use Semrush for Keyword Research
How To Make Money On UpWork
How to Make Money on Upwork – Complete Guide
How To Write UpWork Proposal
How to Write an Upwork Proposal To Win High Paying Clients
How To Work On Fiverr
How To Work On Fiverr To Make Six Figure Income
How To Get Jobs On UpWork
How To Get Jobs On UpWork That Value Your Time And Worth?
Duda Alternatives
The 4 Best Duda Alternatives in 2022
reasons to use clickup
10 Reasons to Use ClickUp for Team Management
Webflow Alternatives
Webflow Alternatives: Business Site Options at Your Fingertips
Effective Tips to Promote Fiverr Gigs
How to Promote Fiverr Gigs & Services?
Self-care strategies for Freelancers
5 Practical Self-Care Strategies for Freelancers
Freelancing vs Full-time Jobs
Freelancing Vs Full-Time Job – What to Choose?
High Paying Freelancing Skills
9 High-Paying Freelancing Skills in 2021
Developer Tools for Productivity
10 Best Developer Tools To Increase Your Productivity In 2021
Tips to Manage Money as a Freelancer
How to Manage Your Money As a Freelancer
7 crucial things to know before you start freelancing
7 Crucial Things to Know Before You Start Freelancing
freelance skills that you can start learning today
Top 10 Freelance Skills You Can Start Learning Today
7 Ways to Discover Whether A Freelancing Career Is Right For You
7 Ways to Discover Whether A Freelancing Career Is Right For You?
5 Reasons Why Digital Freelancing is the Future of Work
5 Reasons Why Digital Freelancing is the Future of Work
10 Powerful Tips on How To Use LinkedIn To Earn Clients
10 Powerful Tips on How To Use LinkedIn To Earn Clients
Ahrefs Best Alternatives
Ahrefs Best Alternatives – Key Features & More
Manage Finance & Accounting of Your Remote Based Business
How to Manage Your Remote Based Business Finance & Accounting
Freelance vs Self Employed - What type of worker are you
Freelance vs Self-Employed – Which Type Of Worker Are You?
advices and tips to overcome remote work challenges
How to Overcome Remote Work Challenges – Actionable Tips
Pros and Cons of Freelancing to Consider
10 Pros and Cons of Freelancing to Consider
Cybersecurity tips for Remote Workers
Ensure Cybersecurity When Working Remotely or From Home
Becoming a Successful Remote Freelancer
How to Become a Successful Remote Freelancer?
productivity tips for working from home
8 Work from Home Productivity Tips
tips for becoming a great podcast guest
How to Be a Great Podcast Guest
Tips for Branding Yourself as SEO Freelancer
How Do I Brand Myself as SEO Freelancer
How to become a Podcast Guest
How to Become a Podcast Guest
How Much Do Freelance Video Editors Make?
How Much Do Freelance Video Editors Make
How to brand yourself as a developer
5 Effective Tips on How to Brand Yourself as a Developer
What is Freelance Video Editing
What is Freelance Video Editing & How to Earn From It
Brand Yourself As Freelancer
How Do I Brand Myself as a Freelancer? Step-by-Step Guide
How do freelancers pay tax
How to Pay Tax as a Freelancer? – Complete Guide
How much do freelancers earn
How Much Money Can Be Made From Freelancing?
In Demand Freelancing Skills in 2021
Which Freelancing Skills Are In-Demand for 2021
Which Platform is Best for Freelancers -
Which Platform is Best for Freelancers?
How to become a Freelancer with No experience
How Can I Become a Freelancer with No Experience?
Can Freelancing be a Career -
Can Freelancing be a Career?
How to get a freelancing job without experience -
9 Tips to Get Freelancing Job Without Experience as a Beginner
BEST free design tools everything freelance
5 Best Free Design Tools You’ll Ever Need
3 Core Advantages of Cloud Computing for Remote Workers
3 Major Advantages of Cloud Computing for Remote Workers
Android Apps to Improve Your Company Management
4 Android Apps To Improve Your Company Management
How to get clients for a New Business
How to Get Clients for A New Business?
How to get ecommerce clients
How to Get E-commerce Clients
How to get a client to pay their bills
How to Get a Client to Pay their Bill
Types of Difficult Clients
Types of Difficult Clients and Effective Ways to Handle Them
Best Visual Collaboration Tools for Remote Work
Best Visual Collaboration Tools for Remote Work
Best Freelance Management Platforms
Best Freelance Management Platforms for 2021
Online Collaboration Tools for Remote Workers
Best Online Collaboration Tools for Remote Workers
How to get clients as a Freelancer
How to Get Clients As A Freelancer
Create Automation in Mailchimp
How to Create Automation Using Mailchimp?
Alternatives for Toggl
What Are the Best Alternatives to Toggl
Best apps for Freelancers
Best 8 Apps for Freelancers
How to create an Invoice on PayPal
How to Create an Invoice on Paypal