1. Common risks and protection needs of self-employed persons
| Risk Type | Corresponding guarantee |
|---|---|
| Sudden serious illness, surgery and hospitalization | Health Insurance |
| Theft of tools, damage to customer property | Commercial liability insurance |
| Work-related injuries, temporary loss of ability to work | Accident/Disability Insurance |
| Family responsibilities, loan repayments | Term Life Insurance |
2. List of optional insurance for freelancers
1. Health Insurance
- ✅ You can apply for the plan on the Obamacare platform
- ✅ Special registration period: You can apply within 60 days if you lose your job or move.
- ✅ It is recommended to purchase a plan above the "Silver" level and pay attention to the doctor network coverage
2. Commercial liability insurance
- Provide protection against risks such as customer claims and contract disputes
- Suitable for service industries such as case consultants, photographers, and physiotherapists
- Some platforms, such as NEXT Insurance , support online quotes and purchases within minutes.
3. Income replacement insurance (disability insurance)
- Provides cash income when you are unable to work
- Especially suitable for freelancers who cannot work remotely, such as drivers, masseurs, etc.
4. Life Insurance
- If you have dependents who depend on your income, you should consider purchasing
- It is recommended to use term life insurance, which is economical and has flexible coverage.
3. Recommended purchasing platforms and methods
| channel | advantage |
|---|---|
| HealthCare.gov | Official platform, low income can enjoy subsidies |
| Stride Health | For freelancers, user-friendly interface |
| Policygenius | Compare quotes from multiple insurance companies |
| Freelancers Union | Provide group price insurance and legal support |
4. Can insurance expenses be deducted from taxes?
✅ The premiums for health insurance and commercial insurance purchased by self-employed persons can be legally deducted as "business expenses" when filing taxes .
✅ For example, the purchase of health insurance, professional liability insurance, equipment insurance, etc. can all be tax deductible to reduce the tax burden.
Summarize
Being a freelancer does not mean you have no protection. As long as you use the right method and choose the right product, you can build a strong backing for your health and occupational safety at a reasonable cost. Facing the uncertainty of 2025, now is the best time to buy insurance. Choosing an insurance plan that suits your needs is the first step for every freelancer to develop steadily.