Health insurance is the most expensive gap in freelance life. Covers every option from ACA to international expat plans.
Health insurance can cost $300-800/month for an individual without employer coverage.
ACA Marketplace: Income-based subsidies make these affordable for many freelancers.
COBRA: Continue employer plan 18 months after leaving a job.
Freelancers Union: Group plans in some states.
Cigna Global / Aetna International: Comprehensive cross-country coverage, $150-400/month.
SafetyWing: $40-60/month for under 39s, popular with nomads.
Local insurance: In Thailand, Germany, Portugal often $50-150/month and comprehensive.
US self-employed health insurance premiums are 100% deductible. Track every premium in FlowFund.
Free to start. No bank connection needed. 150+ currencies, tax estimates for 20 countries.
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