Independent contractors and freelancers make up an increasing share of the workforce, yet Washington is largely neglecting the market where self-employed workers get health insurance. That's bad news for people in the burgeoning "gig economy," where work is divorced from an employer — and thus from employer-sponsored insurance.
Why it matters: The Affordable Care Act sought to make the individual market more affordable and competitive. Today, though, those benefits are concentrated heavily toward lower-income consumers who get a subsidy to help pay their premiums, and Congress hasn't shown much interest in stabilizing it. But that market will be growing.