Locum work is awesome, but health insurance is a headache

I’ve been doing locum tenens for a little while now, and while I love the freedom and variety, health insurance has been one of the weirdest parts to figure out. When you’re not tied to a full-time employer, it’s like stepping into this maze of options, none of which feel straightforward.

I’m not looking for advice from brokers or anything like that, just curious how other folks in similar situations are handling it. Do you go through the marketplace, stick with COBRA, or just hope for the best and keep your fingers crossed?

Would love to hear how others are navigating this part of the gig. Also open to hearing any random lessons learned from going independent—good, bad, or just plain weird.