Working for yourself means you're your own benefits department — but freelancers actually have some advantages employees don't, especially around taxes. Here's how to cover yourself well in 2026.
Start with the ACA marketplace
As a 1099 worker, the individual marketplace is your primary home. Coverage is guaranteed regardless of health, and your premium tax credit is based on your income — which, for the self-employed, you have real influence over.
The deduction most freelancers miss
The self-employed health insurance deduction lets many freelancers deduct their premiums from taxable income (rules and limits apply). That effectively lowers your net cost — coordinate with a tax pro so you claim it correctly.
Manage income to manage your subsidy
Because subsidies phase out with income and the 400% cliff returned in 2026, timing invoices, retirement contributions, and business deductions can change what you pay for coverage. Estimate the effect with our subsidy calculator.
Consider an HSA-eligible plan
If you're healthy, a high-deductible plan paired with an HSA gives you a lower premium plus a triple-tax-advantaged account — a great fit for variable freelance income.
If your income is lumpy
Report your best annual estimate, and update the marketplace if income changes a lot during the year to avoid a surprise at tax time. A qualifying life event can also open a mid-year enrollment window.
Self-employed and shopping for coverage? Our free tool compares plans from 50+ carriers and shows what you'd actually pay in about 60 seconds — no obligation, real answers from a licensed broker. Get your free quote →