Health Sharing for Freelancers and Self-Employed (2026)

Freelancers paying full health care costs spend an average of $400–$600/month for individual ACA coverage, while health sharing plans range from $150–$280/month with lower administrative overhead.

As of Feb 2026, self-employed workers must weigh the monthly savings against waiting periods, coverage limits, and lack of tax deductions that ACA plans provide.