What type of insurance should a self-employed person have in 2025? This comprehensive guide covers essential coverage including health insurance, disability protection, business liability, and life insurance. Learn about ACA marketplace vs. private PPO options, tax-deductible premiums, and retirement planning strategies. Get expert advice from a licensed insurance agent with 6 years of experience helping freelancers, contractors, and small business owners protect their income and assets. Includes cost comparisons, coverage recommendations, and actionable steps to build your insurance portfolio.