Best Health Insurance Options in the U.S. for Self-Employed Workers (2025 Guide)
Being self-employed has many perks — flexibility, freedom, and control over your income. But it also means you’re on your own when it comes to health insurance . In 2025, the U.S. healthcare system continues to be complex and expensive, especially if you're not covered by an employer. If you’re a freelancer, consultant, gig worker, small business owner, or entrepreneur, this guide breaks down the best health insurance options in the U.S. for self-employed individuals, with tips to help you get the best value and coverage. ๐จ Why Health Insurance Matters (Even If You're Healthy) Many self-employed workers skip health insurance to save money — but a single emergency room visit can cost thousands. A longer hospital stay or serious illness could lead to financial disaster without coverage. In 2025, average costs without insurance are: ER visit: $2,000+ Hospital stay: $12,000+ Surgery: $20,000–$100,000+ Prescription meds: Hundreds/month ๐ก Health insurance i...