Instantly match the best health insurance plans for your freelance income fluctuations.
Freelancers without employer coverage face high costs and complexity in securing health insurance, with premiums directly eroding their hard-earned profits.
FreelanceMatch analyzes your irregular income patterns, freelance expenses, and location to recommend personalized ACA-compliant health plans from top carriers. It simplifies comparisons by projecting true costs after subsidies and tax deductions, then guides you through one-click applications. Save hours of research and thousands in premiums without the hassle.
Independent freelancers and solopreneurs without employer-provided health insurance
AI-driven matching optimized exclusively for freelancers' variable incomes, unlike generic marketplaces.
supportive
Upload 1099s or connect bank to forecast eligibility for subsidies based on projected annual income.
Side-by-side comparison of premiums, deductibles, networks, tailored to freelance lifestyle.
Real-time ACA subsidy estimates with what-if scenarios for income changes.
Pre-fills ACA marketplace forms and tracks application status.
Projects annual out-of-pocket costs including freelance tax deductions.
Notifications for open enrollment, rate changes, or better matches.
Logs insurance premiums for easy tax filing integration.
Find in-network doctors based on your location and plan.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| location | text | No |
| household_size | int | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| carrier | text | No |
| premium | int | No |
| deductible | int | No |
| coverage_type | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| plan_id | uuid | No |
| subsidy_estimate | int | Yes |
| status | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| monthly_estimate | int | No |
| source | text | Yes |
Relationships:
/api/plans/matchGenerate personalized plan matches based on user data
/api/user/incomeUpload and analyze income data
/api/plans/:idFetch details for a specific plan
/api/applicationsInitiate plan application
/api/alertsGet user-specific alerts
No personalized matching, no applications
Up to 5 income sources
Unlimited
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 100 | 2% | $78 | $936 |
| Month 6 | 800 | 5% | $1,560 | $18,720 |
Stop overpaying—get personalized ACA plans that account for your variable income and save up to 50% on premiums.
Post in r/freelance, Upwork community forums, and Indie Hackers with a free beta invite; DM 50 freelancers from Twitter searches for 'freelance insurance sucks'; offer free Pro access for testimonials.
Wide carrier selection
No freelance income handling
Freelancer-specific AI matching and subsidies
User-friendly quotes
Generic, ignores income variability
Tailored forecasts and tax integration
Proprietary freelancer income dataset from users builds better AI matching over time.
Freelance economy booming (36% of US workforce), ACA subsidy expansions, and open enrollment spikes.
Insurance licensing requirements
Partner with licensed brokers, disclaim advice
Carrier API changes
Use public ACA data + manual updates
Data privacy compliance (HIPAA)
Use Supabase compliance features, audit early
Success: 80% express interest in tool
Success: 50% complete a match
Success: 100 users week 1
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