Author name: Freelancer Tax HQ Editorial Team

Life insurance options for freelancers in 2026: term vs permanent, how insurers verify self-employed income, how much to buy, and online and traditional providers compared.

How disability insurance works for self-employed people: what it costs, benefit amounts, elimination periods, own-occupation coverage, taxes and a worked example.

How a health savings account works for freelancers in 2026: $4,400 and $8,750 limits, bronze plan eligibility, the triple tax break, deadlines and a worked example.

How ACA premium tax credits work for self-employed people in 2026: the 400% FPL cliff, 9.96% cap, full repayment rules, estimating income and the SE health deduction.

Health insurance options for freelancers in 2026: ACA marketplace, a spouse’s plan, COBRA, Medicaid, short-term plans and HSAs, plus how the tax deduction works.

Compare Solo 401(k) providers for 2026: Fidelity, Schwab, E*TRADE, Ascensus (formerly Vanguard), Ubiquity and custom plans. Fees, Roth, loans and who each suits.

How a SEP IRA works for freelancers in 2026: the $72,000 limit, the 20% rule for sole proprietors, deadlines up to October 15, employee rules and a worked example.

2026 Solo 401(k) limits: $24,500 deferral, $72,000 total, $8,000 and $11,250 catch-ups, Roth options, the new Roth catch-up rule and Form 5500-EZ.

Compare SEP IRA, Solo 401(k) and SIMPLE IRA for freelancers in 2026: limits, deadlines, Roth options and a worked example at $50,000, $100,000 and $200,000 profit.