Having health insurance is indeed an important issue in ‘going solo’. I have insurance through my husband. I did not go into full time fitness until I had that in place.
However, I had started to move myself into a place where I could work fully on my own, before I had that option available to me. I kept my full time job (which was federal) but did graduate school at night to increase my skills and marketability, and worked 6 am slots, 7 pm slots, and every weekend, to increase my connections and experience. I also read and studied as much as I could.
You could also take a look at what job possibilities in fitness exist that include health insurance. I don’t know that market well in your area at this time. I do know there are some in my area that do, if one is full time.
You might also take a look at this if you have not yet done so: