Meta Title: Best Insurance for Self-Employed in USA, UK & Canada – Health + Income Guide 2025
Meta Description: Are you self-employed or a freelancer? Learn how to protect your health and income with the best insurance plans in the USA, UK, and Canada (2025 update).
Introduction
If you’re self-employed, you don’t have employer-provided benefits. This means you must manage your own health and financial protection. In this post, you’ll learn about essential insurance for freelancers and small business owners in the USA, UK, and Canada.
1. Health Insurance
USA: Private insurance is a must. Consider ACA marketplace, Oscar, or Kaiser. Premiums: $300–$600/month. Tax-deductible.
UK: NHS provides basic care, but private insurance from Bupa or AXA gives faster service. Cost: £40–£90/month.
Canada: Public health is available, but doesn’t cover dental or mental health. Private add-ons: Manulife, Blue Cross.
2. Income Protection
Also known as disability insurance, this pays monthly income if you can’t work due to illness or injury.
Top Providers:
- USA: Guardian Life, Principal
- UK: Aviva, Legal & General
- Canada: Sun Life, RBC Insurance
3. Term Life Insurance
Protects your family in case of death. Essential if you have dependents.
Examples:
- USA: Haven Life
- UK: Zurich
- Canada: Canada Life
Final Words
Insurance may feel like a cost, but for the self-employed, it’s your safety net. Get basic coverage now and upgrade as your business grows.