Yeah, me and my partner were both freelancing for a time, and shopping for health insurance was terrible. Health insurance wasn't the only reason I shifted from freelance to employee work, but it was definitely a very large reason. Now my whole family is covered under my employer's health insurance (and my partner still freelances).

It is wacky that my ability to see a doctor is depends on my job. Losing my job and experiencing a medical emergency is a scarier proposition than losing a month or two of pay for me, tbh.