Best Health Insurance Plans for Freelancers Without a Company (2025)
Freelancing gives you flexibility, independence, and the ability to work on your own terms. But one thing it doesn’t give you? Health insurance. Unlike full-time employees, freelancers must find and pay for their own medical coverage.
In 2025, having the right health insurance plan is more important than ever — not just for peace of mind, but to avoid the crushing costs of medical care in the U.S. This guide will help you explore the best health insurance plans tailored for self-employed workers with no employer coverage.
🩺 Why Health Insurance Is a Must for Freelancers
Working without a company means:
- No employer-sponsored health plan
- No HR department to walk you through options
- 100% responsibility for your medical costs
That’s why it’s essential to have a plan that covers routine checkups, emergencies, and any ongoing treatments you may need — even if you’re young and healthy.
🔍 Key Things to Look for in a Freelancer Health Plan
Before comparing providers, focus on these criteria:
- Affordable monthly premiums
- Low deductibles or at least manageable ones
- Coverage that includes preventive care
- Access to a broad provider network
- Telemedicine and mental health services
Make sure your plan covers not just accidents or emergencies, but also prescriptions, screenings, and ongoing medical care.
🏆 Top Health Insurance Plans for Freelancers in 2025
These companies offer strong private health insurance plans with solid coverage and flexible options, especially useful for independent workers in the U.S.
1. Oscar Health – Best for Digital Convenience
- Average monthly premium: $350 – $480
- Offers: 24/7 virtual care, low copays, app-based management
- Network: Medium-sized but growing
- States available: Over 20 states
Oscar is an excellent option for tech-savvy freelancers who want quick access to doctors without needing in-person visits.
2. UnitedHealthcare – Best Nationwide Coverage
- Average monthly premium: $400 – $600
- Offers: HSA-compatible plans, wellness incentives, large PPO network
- Network: One of the largest in the U.S.
- States available: Nationwide
Perfect for freelancers who travel often or want access to providers across multiple states.
3. BlueCross BlueShield – Best for Customizable Plans
- Average monthly premium: $375 – $550
- Offers: PPO and HMO options, maternity care, dental add-ons
- Network: State-based but broad reach
- States available: 50 (via regional providers)
Great for freelancers who want to choose plans based on their specific health and financial needs.
4. Kaiser Permanente – Best for In-Network Care
- Average monthly premium: $300 – $450
- Offers: Integrated care with providers, pharmacy, and hospitals all in one
- Network: Limited to certain states
- States available: CA, CO, GA, HI, MD, OR, WA, VA, DC
Best for freelancers in Kaiser-covered regions who prefer centralized care and simple plan management.
📊 Comparison Table
| Provider | Avg. Monthly Cost | Virtual Care | Network Size | Best For |
|---|---|---|---|---|
| Oscar Health | $350 – $480 | ✅ Yes | Medium | Digital tools and convenience |
| UnitedHealthcare | $400 – $600 | ✅ Yes | Very Large | National coverage & PPOs |
| BlueCross BlueShield | $375 – $550 | ✅ Yes | Large | Custom plan flexibility |
| Kaiser Permanente | $300 – $450 | ✅ Yes | Limited | In-network, integrated care |
🧭 How to Apply as a Freelancer
You can get coverage through:
- Healthcare.gov (Marketplace):
- Compare multiple plans by state
- Access to subsidies if eligible
- Directly from insurers:
- Visit Oscar, UnitedHealthcare, etc. to apply online
- Sometimes better plan options than on the marketplace
- Professional organizations:
- Some freelancer unions offer group plans (e.g., Freelancers Union)
💡 Tax Tip for Freelancers
Did you know? As a self-employed person, you can usually deduct 100% of your health insurance premiums on your taxes — even if you don’t itemize deductions.
This includes:
- Medical, dental, and vision plans
- Coverage for your spouse and dependents
- Some out-of-pocket medical expenses (if itemized)
Check with a tax advisor to get full benefits.
🤔 FAQs
Is there a penalty for not having insurance in 2025?
Not federally, but some states (like California, Massachusetts) do impose penalties.
Can I use an HSA if I’m a freelancer?
Yes, but only with an HSA-compatible high-deductible health plan (HDHP).
What if I work internationally as a digital nomad?
Consider PPO plans or international insurance providers like SafetyWing or IMG.
Whether you're building your own business or freelancing full-time, having the right health insurance makes a real difference. It’s not just about protecting your health — it’s about protecting your income, your plans, and your peace of mind.
Take the time to compare your options, run the numbers, and choose a plan that fits your lifestyle. The right coverage means you can focus on what you do best, knowing you're covered when it matters most.
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