Health Insurance for the Self-Employed or Freelancers

By: Patricia K., Published: May 6, 2020 | Related: Medical Bills Assistance


Freelancing has become a big way to make money in the world today. Freelancers everywhere are faced with many challenges, like finding paying clients, but the biggest challenge for freelancers and others who are self-employed is finding an affordable healthcare option for coverage. Healthcare is a normal part of life, and it is important to have, especially if an emergency arises. However, this is quite a challenge for many self-employed and freelance individuals who are trying to make a living doing what they love and what they are passionate about.

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Upwork recently did a study that proved there are at least 20-percent of the 55 million freelancers are working in the U.S. without any form of health insurance. It’s often tempting to go without healthcare insurance, but it is essentially a disaster just waiting to happen. Instead, you should give these six tips a shot to find the best healthcare at an affordable price as a self-employed individual.

Marketplace for Health Insurance

You might be able to qualify for certain health care options like Medicaid, premium tax cuts, or Children’s Health Insurance Program. There are other savings options through the Affordable Care Act that can also be of assistance. All you have to do is create an account, complete the application, and look at the benefits that you are eligible to receive as a self-employed worker.

Brokers of Health Insurance

Brokers in the health industry like Gravie or Stride help you find the right plans by assembling different plans from various health insurance providers and companies. They base their lists on the coverage you need, and their lists help you compare the plans to find the one you need. Any reputable brokers of health insurance will make money from the companies that they represent. They will never charge you any fees for their help and services.

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Health Insurance Companies

Several health insurance companies like Cigna or UnitedHealthcare have several options for those who are self-employed. These are private health insurance policies that are catered to self-employed individuals who need the insurance. These companies offer varying price points and even coverage options in their plans that you can choose from. You can search for them to find the one you need, and one that fits your budget.

Sharing Ministries

There are several other organizations that work to distribute the costs of health care among various members, which in turn helps ease the burdens of medical bills on each member out there. Typically, these organizations require each member to make a promise that holds each member to their word through certain biblical values. They also participate in regular worship and prayers. One example of these companies is HealthInsurance.org.

Gig Services

Freelancers sometimes work through a gig service, like Care.com, which offers health benefits to the freelancers who choose to use their platform. These gig services often offer freelancers some form of health insurance for their jobs. Some companies are even reclassifying their employees as part-time employees instead of freelancers to give them the eligibility needed to offer them health benefits. These changes have been beneficial for employers and employees alike.

Advocacy Groups

Advocacy groups are another great way for freelancers and self-employed individuals to get health insurance at an affordable price. One example of these advocacy groups are Freelancers Union which works to connect freelancers with different plans that are affordable for the self-employed lifestyle. National Writer’s Union and even Professional Photographers of America are different advocacy groups that provide freelancers in different fields with discounted an affordable health insurance plans, so they do not have to go without.

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No matter which route you intend to take to get health insurance at an affordable price, there is something that you should always keep in mind: singing a legal document, even a health insurance policy, requires a reading of the fine print. You should get someone to help you look over the document to ensure that you are getting the coverage you need, the benefits you want, and savings that are beneficial. Without reading the fine print, you might get sucked into a terrible deal, and as a freelancer or self-employed individual, paying too much or getting the wrong plan can be detrimental to your job and your life.


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