Freelancers enjoy flexibility and independence, but finding the right health insurance plan for freelancers can feel overwhelming. Without employer-sponsored coverage, you’re responsible for choosing a plan that balances premiums, deductibles, provider networks, and out-of-pocket costs. The good news? There are excellent options designed specifically for self-employed professionals, gig workers, and independent contractors. Below are the top 10 health insurance plans for freelancers, each offering unique benefits depending on your income, healthcare needs, and location.
1. Blue Cross Blue Shield (BCBS)
Blue Cross Blue Shield is one of the most recognized health insurance providers in the U.S., offering extensive nationwide coverage. For freelancers who travel frequently or work remotely, BCBS stands out thanks to its large provider network and flexible PPO plans. You can find plans through the ACA marketplace or directly through state affiliates. While premiums may be higher in some states, the broad coverage and strong customer satisfaction ratings make it a dependable option for self-employed professionals seeking stability and access to specialists without referrals.
2. Kaiser Permanente
Kaiser Permanente combines health insurance and healthcare services under one system, which can simplify things for freelancers. With its integrated network of doctors and hospitals, coordination of care is seamless. Premiums are often competitive, and many plans include preventive care with low out-of-pocket costs. However, coverage is limited to specific states, so it’s best suited for freelancers living in areas where Kaiser operates. If you value convenience, digital tools, and predictable costs, Kaiser Permanente can be a strong choice.
3. UnitedHealthcare
UnitedHealthcare offers a wide range of ACA-compliant plans ideal for freelancers who want flexibility. With one of the largest provider networks in the country, it’s a practical option if you need specialist access or travel between states. Many plans include wellness programs and telehealth services, which are especially helpful for busy independent professionals. Premium costs vary depending on coverage level, but the plan customization options make UnitedHealthcare appealing to freelancers who want control over deductibles and monthly expenses.
4. Aetna
Aetna provides affordable individual and family health plans tailored to self-employed individuals. Its strong telemedicine services and mental health coverage are particularly attractive for freelancers managing busy schedules. Aetna plans are available through the ACA marketplace in many states, making it easier to qualify for subsidies if your freelance income fluctuates. The company also offers HSA-compatible high-deductible plans, which can be tax-efficient for independent contractors who want to lower monthly premiums while saving for future medical expenses.
5. Cigna
Cigna is known for its global coverage options, making it a compelling choice for freelancers who work internationally or travel often. In the U.S., Cigna offers marketplace plans with competitive pricing and strong customer support. Many plans emphasize preventive care and digital health tools, which can reduce overall costs. For freelancers seeking comprehensive coverage and flexibility in provider selection, Cigna’s PPO options are particularly valuable. The company also offers 24/7 health information lines, ideal for remote professionals with unpredictable schedules.
6. Oscar Health
Oscar Health is a tech-driven insurance provider popular among younger freelancers and gig workers. Its user-friendly app allows easy appointment scheduling, telemedicine access, and plan management. Oscar often offers competitive premiums and simple plan structures, which appeal to freelancers who prefer straightforward coverage. Free virtual primary care visits are included in many plans, helping reduce healthcare costs. While availability is limited to select states, Oscar’s focus on digital convenience makes it ideal for independent professionals comfortable managing healthcare online.
7. Molina Healthcare
Molina Healthcare is known for affordable marketplace plans, especially for freelancers with moderate or lower incomes who qualify for subsidies. Premiums are generally budget-friendly, and the company focuses on essential coverage and preventive care. While provider networks may be narrower than larger insurers, Molina can be a cost-effective option for self-employed individuals prioritizing low monthly payments. If your freelance income varies year to year, Molina’s ACA-compliant plans may help keep coverage accessible and manageable.
8. Ambetter
Ambetter specializes in ACA marketplace plans and is widely available across multiple states. For freelancers seeking affordable health insurance with tiered coverage levels (Bronze, Silver, Gold), Ambetter provides flexibility. Many plans include telehealth and wellness incentives. Premiums are often competitive, especially when combined with tax credits. While networks can vary by region, Ambetter remains a practical choice for gig workers who want predictable costs and straightforward enrollment through the marketplace.
9. HealthCare.gov Marketplace Plans
For many freelancers, the best starting point is the federal marketplace at HealthCare.gov. It allows you to compare plans side by side and check eligibility for premium tax credits based on your freelance income. Subsidies can significantly reduce monthly costs, especially if earnings fluctuate. Marketplace plans must meet ACA standards, covering essential health benefits like maternity, mental health, and preventive care. If you’re new to buying insurance independently, the marketplace offers a transparent way to evaluate multiple providers in one place.
10. National Association for the Self-Employed (NASE) Plans
The National Association for the Self-Employed offers access to health coverage options and supplemental insurance products tailored to freelancers. While NASE itself is not a traditional insurer, membership can provide discounted benefits and group-rate options. For independent contractors seeking additional perks like dental, vision, or short-term coverage, NASE can complement an ACA plan. It’s particularly useful for freelancers who want advocacy support and access to small-business resources alongside healthcare benefits.
How to Choose the Best Health Insurance Plan for Freelancers
When selecting a plan, consider:
- Your monthly premium vs. deductible
- Provider network access
- Prescription drug coverage
- Telehealth availability
- Eligibility for ACA subsidies
- HSA compatibility for tax savings
The best health insurance plan for freelancers depends on your income stability, healthcare usage, and whether you prefer lower monthly payments or lower out-of-pocket costs.