Being your own boss comes with freedom, but it also means you’re the Human Resources department for one of the most critical decisions: securing health insurance. Without an employer to subsidize your premiums, finding the right coverage that balances comprehensive benefits with an independent budget can feel overwhelming.

Here are five simple, actionable tips to guide you toward choosing the best health insurance plan as a self-employed individual.

1. Start with an Honest Health Assessment (Know Your Needs)

Before you look at a single plan, you must clearly define your and your family’s health needs. This crucial step prevents you from overpaying for services you don’t need or, worse, choosing a cheap plan that won’t cover your must-haves.