Finding the Best Health Insurance for Self-Employed Individuals When you work for yourself, finding affordable and comprehensive health insurance can be a challenge. Without employer-sponsored plans, the self-employed must shop for policies on their own. The good news is that, with a bit of research, there are great individual health insurance options for freelancers, contractors, entrepreneurs, and other self-employed professionals. Key Factors to Consider As you evaluate health insurance plans, keep the following factors in mind: Coverage inclusions: Look for plans that cover essential health benefits like doctor visits, hospitalization, prescriptions, emergency care, maternity, mental health services, and more. Premium costs: Monthly premiums vary greatly between plans. Balance premium affordability with sufficient coverage. Deductibles: Plans with higher deductibles have lower premiums, but you pay more out-of-pocket initially before coverage kicks in. Provid...