Health insurance for photographers
Whether you shoot weddings, brands, or editorial, freelance photography means no employer health plan — and seasonal, project-based income that doesn't fit a rigid monthly bill. Here's how self-employed photographers get covered in 2026.
Why coverage is hard for photographers
- Project-based, seasonal income. Wedding season vs. winter can look very different — predictable costs matter.
- No employer benefits. You're sourcing and paying for everything yourself.
- Gear and travel already eat your budget, so surprise medical bills hit hard.
Your options in 2026
- ACA Marketplace: comprehensive; subsidies may apply (enhanced subsidies ended December 31, 2025, raising many people's 2026 premiums).
- Molli: designed for 1099 creatives — transparent flat-rate pricing (save up to 30% vs. ACA marketplace plans¹), nationwide PPO network access, and $0 virtual primary care and generic prescriptions via Vitable, with a plan that moves with you between gigs and seasons.
- A spouse's or partner's plan, if available.
- COBRA, after leaving a salaried job — usually expensive.
Why photographers look at Molli
Flat, predictable pricing is easier to plan around than commission- or project-driven income, the national network travels with you to shoots, and $0 everyday care covers the routine stuff.
FAQ
- How do freelance photographers get health insurance?
- They buy it directly, through the ACA Marketplace, an independent-worker plan like Molli, a spouse's plan, or COBRA. There's no employer plan for most working photographers.
- Is health insurance a business expense for photographers?
- Self-employed photographers can often deduct premiums via the self-employed health insurance deduction. Check with a tax professional.
¹ Savings vary by location, age, and plan selection. Based on comparison of Molli Pro plan rates to ACA Silver benchmark premiums.