10 Best Health Insurance For Self-Employed In 2023

Insurance is a way of bridging fiscal loss. It can be said to be primarily used as a protection against the threat of an uncertain loss. Health insurance also called medical insurance is a type of insurance that covers the whole or a part of the threat of a person incurring medical charges.

This article contains the best health insurance for self-employed. Carefully read through.

10 Best Health Insurance For Self Employed

For any individual or group of persons that will want to get health insurance for self-employed, these are the 10 best health insurance for self-employed in 2023. 

1. Blue Cross Blue Shield 

With a history of client satisfaction, Blue Cross Blue Shield is the overall choice for a healthcare plan for the self-employed. It’s an association of 35 independent Blue Cross Blue Shield companies across the United States. Since 1929, the association has established a strong character, and utmost of its companies have high stylish conditions, earnings. 


  • Strong company character
  • Large provider network
  • Data-driven to ameliorate quality and affordability 


  • Member experience may vary by region
  • Bad client reviews in some countries 

Blue Cross Blue Shield is among the best health insurance for self-employed and offers content to 110 million members in all 50 countries, Washington, D.C., and Puerto Rico.

The company has an extensive network including 96 of the country’s hospitals and 95 of croakers and specialists. Expats may also have health content through the company’s global network.

Depending on the state, Blue Cross Blue Shield companies may offer a variety of products. You may also have access to health and heartiness abatements like spa enrollments and fitness products through Blue365. 


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2. United Healthcare 

Next on our list of health insurance for self-employed is United Healthcare. United Healthcare is an attachment of UnitedHealth Group, the biggest health insurance provider in the country. Innovated in 1977, the provider has an A standing though it didn’t earn a top spot in any region in the J.D. Power 2021U.S. Commercial Member Health Plan. 

The company offers a range of products including health insurance, Medicare, Medicaid, short-term insurance, vision, dental, and supplemental content which makes it suitable as the best health insurance for self-employed. 

The United Healthcare claims process is simple If you use the company’s provider network, you won’t need to submit a claim. But you may need to for your flexible spending account, outspoken billing, or out-of-network providers. You may submit a claim through the online gate or by its claim by correspondence service.


  • Large network of providers 
  • Facility in 50 countries
  • Guests can get a free quotation online 


  • It was known for causing internal health and substance abuse cases.
  • Mixed client satisfaction reviews 


3. Kaiser Permanente 

Kaiser Permanente is another health insurance company with a strong character. The company was innovated in 1945 though it doesn’t have a standing with AM Best. Kaiser Permanente earned high scores of at least4.0 and over to 5.0 with NCQA along with name rankings from the J.D. Power 2021 U.S. Commercial Member Health Plan Study, making it another option for health care insurance for self-employed. 

As a self-employed or gig frugality worker, you may have limited finances for spending redundant plutocrats on healthcare and may profit from Kaiser Permanente’s emphasis on precautionary care. The company’s record-keeping and system of monuments make it easier to catch the early stages of a complaint. As a result, the company leads the nation in precautionary cancer wireworks and keeping a cap on high blood pressure, which is why it wins this order. 


  • Emphasis on precautionary care and overall health 
  • Strong client satisfaction reviews 
  • HSA access 


  • Only available in 8 countries 
  • History of pinching on behavioral healthcare 


4. Cigna 

If you’re looking for convenience because of its virtual care options and traditional home delivery, Cigna is a good option.

Cigna offers global content to 180 million guests in 30 countries, which includes 1.5 million providers and installations. In the United States, the company works with over apothecaries, further than 500 hospitals, and over internal and behavioral health providers, growing 70 percent since 2016. This means that it has branches in numerous countries, that’s why it’s a good choice of health care insurance for tone employed. 

Cigna offers a number of options for busy tone- employed workers. You may qualify for low-cost virtual care. Self-employed workers may also love the convenience of Cigna’s Express Scripts Pharmacy, which offers home delivery of a 90- day force of conventions along with 24/7 access to certified druggists. Cigna lately added Talkspace, a popular digital remedy service, to its behavioral health network. This provider has worked hard in these areas to make care as accessible as possible, therefore winning this order. 


  • Solid company Character 
  • Virtual services and traditional delivery 
  • Extensive provider network 


  • Not available in all countries 
  • Mixed client satisfaction reviews 



5. Molina healthcare

Molina Healthcare is a health insurance company that is focused exclusively on government-sponsored health care programs for families and individuals who qualify.

With over 4.6 million members, the company offers Medicaid and Medicare plans in numerous countries and covers a broad range of services, and exploration shows access to care is similar to private content.


  • Affordable content
  • Plan translucency on website
  • New program to ameliorate healthcare access


  • Not available in all countries
  • History of nonsupervisory issues including forfeitures for not handling grievances
  • Lower credit rankings

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6. Oscar

Oscar is a good option and is among the best health insurance for self-employed If you’re looking for a health insurance provider with excellent client service as a tone employed.

Established in 2012, Oscar has been making swells with its unique approach to client service. The company doesn’t presently have standing with AM Best and has earned rankings of 2.5 to 3.0 from NCQA.

Oscar has many unique features that may be handy for self-employed or gig frugality workers. The company’s Croaker on Call point offers free, unlimited, 24/7 access to a provider. The Concierge is also a named point, with a devoted number of attendants and nurses to answer your questions and help you save money. This position of client service is unequaled among the providers reviewed.


  • Croaker on Call point offers free, unlimited, 24/7 access to a provider.
  • Devoted platoon of attendants and nurses to answer your questions
  • Easy to use mobile app


  • Only available in 19 countries
  • Less established than challengers


7. Anthem

Anthem offers affordable health, dental, and vision coverage to fit your budget.

Anthem, an attachment of the Blue Cross Blue Shield Association, is dedicated to delivering better care to their members, providing greater value to our customers and helping improve the health of our communities. The extensive network may help policyholders access in-network care across multiple locals similar to a birthplace, council city, or externship position.

Anthem plans generally have lower yearly costs than other providers, making them a good deal for those who are youthful tone employed. Still, these plans may not be a good choice for those who have ongoing medical conditions or who need significant or precious health procedures.


8. Humana

Humana Medicare plans are available in numerous countries, and Humana’s Medicare Advantage is available in 84 counties, further than any other insurer hence is among the best health insurance for self-employed.

Numerous Humana plans score well for quality and client satisfaction, and the company offers a robust set of redundant benefits and ways to interact with them, from online capabilities to a mobile app.


  • Extensively available across the country
  • High-quality plans
  • Special pricing at Walmart for certain traditional medicine plans
  • Humana Pharmacy is number one for correspondence- order conventions


  • Some Humana plans don’t score well for satisfaction
  • Humana’s power may change

Extensively available across the globe and about 97 of Humana Medicare Advantage members were enrolled in a plan rated 4 stars or advanced by CMS, which oversees Medicare D.

It has special pricing at Walmart for certain Tradition Medicine Plans and offers a fairly low- cost Stand- alone Tradition Medicine Planco-branded with Walmart, which gives members lower costs when they get their conventions at Walmart locales.

9. Aetna

Aetna is an American managed health care company that sells traditional and consumer-directed health care insurance and related service-choices choice for health insurance for self-employed.

The company’s network includes 22.1 million medical members, 12.7 million dental members, 13.1 million drugstore benefit operation services members, 1.2 million health- care professionals, over primary care croakers and specialists, and over hospitals.


10. AXA

Headquartered in France, AXA is one of the commanding life and health insurance companies for tone employed with operating bases around the world. It offers five different transnational insurance programs Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.

Innovated as far back as 1831, the Generali Group is part of Europ Backing and aimed substantially at health insurance for businesses with encyclopedically mobile workers and hand groups.

There are three different “ core plans”, Select, Classic, and Premier, and three fresh inpatient options. Biddable worldwide, including North America. Making it health insurance will not be a bad idea for tone employed.



While health insurance can feel like a gratuitous yearly expenditure if you’re youthful and healthy, it can help to cover you against significant medical charges in the event of an exigency or if you come ill. This means that it’s still important to buy acceptable health insurance coverage as a self-employed person or an entrepreneur.

Frequently Asked Questions (FAQs)

What factors impact the cost of self-employed health insurance?

There are five factors that may impact the cost of self-employed health insurance such as; age, position, tobacco use, individuals, family plans, and plan order. Some countries have rules about how important these factors may impact your yearly decorations.

What should I consider when choosing a health insurance company?

When choosing a health insurance company, you should estimate the policy costs, company features, client reviews, and provider network.

Which plan has the loftiest client satisfaction?

Kaiser Permanente is constantly ranked as having the loftiest client satisfaction, and it especially stands out for its Medicare Advantage plans. Still, Kaiser Permanente is only available in eight countries and Washington, D.C.

What is the best overall health insurance company?

Our pick for the best overall health insurance company is Blue Cross Blue Shield. It’s well-rated, extensively available, and has a large network of providers.


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