The 2025 health insurance landscape is changing, and self-employed Floridians need to stay ahead of it. Whether you’re a solo business owner, gig worker, or contractor, you deserve solid coverage that fits your life and your income.

Here’s a breakdown of your best options for 2025.

Top Picks for Florida’s Self-Employed:

💡 Marketplace Plan with or without a Subsidy
Great if your income is variable and you qualify for help or you have medical conditions that you would not be able to pass medical underwriting otherwise.

💡 Private PPO (Off Marketplace)
Ideal if you want nationwide provider flexibility and can’t use a subsidy

💡 Medi-Share
A faith-based alternative with lower monthly costs (not technically insurance)

Frequently Asked Questions (FAQ)

2025 Health Insurance Options for the Self-Employed in Florida

What’s the best health insurance option for self-employed people in 2025?

There’s no one-size-fits-all. Your best option depends on your income, health needs, and whether you qualify for a Marketplace subsidy. We help you compare all options to find the right fit.

Can I qualify for a Marketplace subsidy if I’m self-employed?

Yes—subsidies are based on your estimated income for the year. Many gig workers, freelancers, and small business owners qualify for financial help. We’ll help you calculate it correctly to avoid surprise tax bills.

Are private PPO plans still available in 2025?

Yes, but they’re off-Marketplace only and typically don’t qualify for subsidies. These plans are great if you want nationwide provider access and are comfortable with higher monthly premiums.

What is Medi-Share and is it right for me?

Medi-Share is a faith-based cost-sharing program, not traditional insurance. It may offer lower costs, but it comes with eligibility requirements and coverage limitations. We’ll explain the pros and cons clearly.

What if my income is unpredictable?

Marketplace plans are ideal if your income fluctuates—and we can help you estimate conservatively so you don’t owe money at tax time. Plus, we help with quarterly reviews if needed.

Will I be penalized if I don’t have insurance in 2025?

There’s no federal penalty, but going uninsured can put your health and finances at risk. There are affordable options for nearly every budget—we’ll walk you through them.

Where can I get help comparing these plans?

Visit our Self-Employment Guide or call our Jacksonville-based team. At Mere, we specialize in helping self-employed Floridians navigate the 2025 landscape with clarity and confidence.

At Mere, we guide self-employed people through subsidy estimates, tax reporting, and doctor access across Jacksonville and beyond.

📍 Visit our Self-Employed Insurance Guide or call to see what fits your 2025 plan.

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