When you escape the corporate 9-to-5, you also escape employer-sponsored health insurance. But as a gig-worker or freelancer, the system is actually built to support you.
Healthcare.gov is your new HR department
The ACA Marketplace was fundamentally designed for you. When you apply, you estimate your net income for the year (after business expenses). This estimate dictates your subsidy. If you earn $40k a year freelancing, you will get massive subsidies lowering your premium.
The Ultimate Loophole: Tax Deductions
As a completely self-employed freelancer, your health insurance premiums are usually an "above-the-line" tax deduction. This means you can subtract the entire cost of your premiums from your gross income, saving you thousands when tax season arrives.