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Freelancers Health Insurance Plans

One of the biggest challenges for independent workers is finding freelancers health insurance.  Freelancers who work for themselves have many benefits, but one of them is typically not a health insurance plan.  That is actually a problem with all self employment; you have to purchase your own coverage and there is no guarantee that you are going to get any sort group or association policy plan as a freelancer. 

The challenges to finding great individual health insurance are many. You may have problems finding coverage due to pre-existing conditions.  Another hurdle may be just the cost of premiums.  Unfortunately freelance work can be unstable, depending on what you do and the current market, making it difficult to make your premium payments some months. So what are the options for freelancers when it comes to health insurance?

The guide below explains both the challenges of obtaining freelancers health insurance, and the best ways to find what you need. When you are finished reading through the article then use our free health insurance quote comparison tool at the top of the page to compare rate quotes from top insurance companies online.

Freelancers Health Insurance Through The Freelancers Union

The Freelancers Union is free to join and you can get a group health insurance plan by becoming a member through a small handful of insurance companies depending on where you life. 

Currently they only serve 33 states.  30 of those states (Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Nebraska, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Wisconsin) are through United HealthCare’s Golden Rule Iinsurance. 

With Golden Rule you will have deal to directly with the insurance company.  Those who reside in New York, New Jersey and Connecticut are offered insurance through Empire BlueCross and BlueShield Perfect Health Plan. 

While you get some of the group health insurance perks such as guaranteed acceptance onto the plan for belonging to the Freelancers Union you end up paying some odd fees, like a $40 one for paperwork filing and another $50 monthly one just for having the policy. You may actually find that your costs are lower by looking for an individual policy that doesn’t lump you with high risk members or include those administrative costs. (Typically, a group health insurance plan is only best for a self employed person if they are so unhealthy that they are unable to qualify for a much cheaper individual health insurance plan).

Making things even more complicated is that you have to provide proof of hours worked (either proof that you worked at least 20 paid hours in eight weeks or you earned $10,000 in the last six months) and proof that you were paid for your work. 

They also provide a Proof of Work form that has to be filled out that lists who you have worked for as well as a copy of your business license if you have one. 

It should be noted that have been a number of complaints reported on the Internet about the policies offered to members of the Freelancers Union.   Insurance policies from the Freelancers Union group plan have been known to lapse for problems on the Freelancers Union side of things.

Freelancers Health Insurance Through Other Venues

There are a number of other venues to pursue when looking for freelancers health insurance.  The Freelancers Union is not the only show in town.

GROUPS / ASSOCIATIONS – There are other groups that you can join to get a group rates other than Freelancers Union.  The National Writers Union, the National Association for the Self Employed, Media Bistro, the American Institute of Certified Public Accountants, the National Association of Realtors,  and Author’s Guild offer a few options that are worth exploring.  Each of these places has their own guidelines, for example the Authors Guild is only available to published authors, and they may not be offered in all states.

INDEPENDENT HEALTH INSURANCE – With the help of an independent insurance agent or online resources you can find an insurance policy that will meet your needs as well as not break the bank.  The benefits of using an independent insurance agent is that he or she will do all the leg work and research for you, can provide you with quotes from many different companies, and answer any questions that you have.  The benefit of doing your own online research is that it’s decidedly less biased.

Types Of Freelancer’s Health Insurance Plans

You will have to make the choice of what kind of health plan you want to use, an HMO, PPO, POS or a fee for service plan where you pay up front and then your insurance reimburses you.

Freelancer’s Health Insurance For Pre-Existing Conditions

HIPAA HEALTH INSURANCE – HIPAA is a Federal law that allows for guaranteed acceptance onto an individual health insurance plan with all pre-existing conditions covered provided that 6 criteria are met. Read the HIPAA health insurance article for more information.

HIGH RISK POOLS – This is something that may be available in your state.  A lot of states offer high risk pools for those that are not eligible for coverage through an employer and can not afford insurance elsewhere.  This may be the only option that some freelance workers have because of pre-existing conditions.

GROUP HEALTH INSURANCE – Most group health plans will cover pre-existing conditions right away if you have maintained continuous health insurance coverage prior to joining the group plan. If you have not maintained continuous coverage then pre-existing conditions may be excluded for usually the first 12 months.

Compare Freelancers Health Insurance Quotes Now!

We have provided a free and easy to use health insurance quote tool at the top of the page for you to compare freelancers health insurance policies from different companies side by side.  Start looking for your freelancers health insurance policy now!