Freelancer Health Insurance
Many freelancers and self-employed individuals are without health insurance (approximately 40%). There are options available; it will just take a little while to find the one the best suits your needs.
One option you can consider is an independent agent. Search for quotes in your local area and possibly meet face to face with the agent to get all the information you need to make a final decision.
National Association of Health Underwriters
The National Association of Health Underwriters, also known as NAHU, is a representative of 20,000 licensed health insurance agents, brokers, consultants and benefit professionals. NAHU uses over 200 chapters across America to do so. They help businesses big and small, as well as people looking for individual health coverage.
NAHU helps by providing access to affordable health care coverage that is of great quality without the high costs. They guide you through the process of searching and buying insurance policies that best fit your situation.
Freelancer's Union Health Plans
If you are a freelance writer, consider joining a writers union or guild. The National Writers Union offer writers a health plan option. Also independent contractor associations have special insurance coverage available. Some writers recommend the AvantGuild membership at Media Bistro. The Author’s Guild is another great option for writers. It offers discounted insurance for published writers in select states.
The National Association of the Self-Employed
The National Association of the Self-Employed, also known as NASE, offers excellent benefits to its members. Any entrepreneur in any field can join the association to get coverage, including:
- Deductibles up to 100% for your family health insurance premiums and other medical expenses
- Term Life Insurance, which is included in the cost of the premier membership
- Accidental Death Benefit Program (provides coverage for you and your family)
- Motor plan, which offers roadside assistance for the entire family
- Discounts on lab and imaging services
- Business development grants to help grow your business