Study the whole lot you should find out about getting freelance well being protection for 2024.
When you determine as a gig employee, freelancer, fractional employee, unbiased contractor, solopreneur, entrepreneur, inventive employee, or simply think about your self self-employed, the duty of securing well being protection usually falls solely in your shoulders. Whether or not it’s your first time on this course of otherwise you’re a veteran freelancer, we’ve bought the information to probably the most dependable and reasonably priced healthcare choices for you. And for the primary time since 2014, Freelancers Union is providing well being protection choices to our members in all 50 states!
Understanding Open Enrollment
Open enrollment is the essential time of 12 months when freelancers can enroll in or make modifications to their healthcare plans. Starting November 1st, 2023 and working till January fifteenth, that is your golden alternative to safe the protection you want for the upcoming 12 months.
Well being Protection Choices
When you don’t qualify for a federal program like Medicaid or Medicare, you continue to have decisions – With greater than 20 years of expertise connecting freelancers to the correct insurance policy, we on the Freelancers Union have carried out the analysis to convey you the very best merchandise available on the market.
Particular person Well being Plans
We’ve scoured the state market and labored with insurance coverage companions throughout the U.S. to search out the very best plans for unbiased contractors. Click on right here to study extra in regards to the plans obtainable to Freelancers Union members by means of suppliers like Cigna and Oscar, and in New York, MetroPlusHealth and EmblemHealth. This 12 months, we have expanded our attain to extra states than ever earlier than. By creating or logging into your Freelancers Union account, your zip code will assist us present the very best plans to give you the standard care you deserve.
Inexpensive Telehealth
From the creators of OneMedical, Galileo Medical is a digital medical apply that makes high quality care extra handy, reasonably priced, and straightforward to make use of. There are two plan choices for freelancers: Galileo Medical, which incorporates 24/7 limitless telehealth, and Galileo Medical plus Dental, Imaginative and prescient, & Prescription Reductions, which affords further protection and reductions to fill the gaps in conventional medical health insurance. Whether or not you have already got insurance coverage, and are including on Galileo Medical Plus for the extra advantages, or are uninsured and in search of an reasonably priced strategy to entry healthcare, that is an reasonably priced and high high quality possibility for entry to well being care. Plus, Freelancers Union members get an unique low cost!
Payroll & Advantages Package deal
Opolis is the one member-owned, one-stop employment and advantages platform for freelancers and unbiased staff within the nation. They supply employment instruments usually reserved for conventional “workers”, like legitimately premium well being protection by means of Cigna’s largest nationwide community, high-quality retirement plans, semi-monthly paystubs, annual W2s, tax compliance, and extra.
Different Insurance coverage Choices
Although the Open Enrollment window from November 1 – January fifteenth, 2024 is the one time you possibly can enroll in or change your medical health insurance plan, it’s an ideal time to verify in on your whole different insurance policy as effectively. We have compiled a complete record of all our insurance coverage choices that can assist you discover the very best plans for your self and your corporation.
Dental & Imaginative and prescient
Many conventional medical health insurance plans don’t embrace dental or imaginative and prescient. Neglecting to deal with your enamel and eyes can result in different impactful (and costly!) well being points down the road. As a Freelancers Union member, you will get unique entry to dental and imaginative and prescient protection by means of Galileo Medical Plus, or individually with our companions at Guardian Dental and VSP Particular person Imaginative and prescient Plans.
Lengthy Time period Incapacity (LTD)
Lengthy-term incapacity insurance coverage (LTD) is an insurance coverage coverage that protects you from lack of earnings within the occasion which you can’t work attributable to sickness, harm, or accident for an extended interval of time. We have partnered with Guardian to offer incapacity insurance coverage that’s designed particularly for freelancers.
HSA Accounts
Healthcare is constantly ranked as a high financial concern for freelancers, however a well being financial savings account (HSA) might help prevent cash and put your thoughts relaxed. An HSA is a private financial savings account for healthcare bills that helps you save when paying for widespread bills akin to glasses, prescriptions, co-pays, lab work, and hundreds of different eligible objects.
Legal responsibility Insurance coverage
Legal responsibility insurance coverage is required by many consumers, and helps freelancers defend themselves and their enterprise from the financial burden of errors and accidents — whether or not they had been at fault or not. Any enterprise that gives a service or provides recommendation would profit from the peace of thoughts that freelance legal responsibility insurance coverage affords.
Time period Life
Time period life insurance coverage affords you and your loved ones financial stability within the case of your dying — with as a lot help as you want for so long as you select. Freelancers Union members get entry to Guardian’s time period life insurance coverage coverage, a versatile, easy-to-use plan designed particularly for freelancers.
You might discover that your healthcare choices are totally different this 12 months – perhaps your earnings has modified, you are not eligible for a sure plan, or you possibly can not afford medical health insurance. With out insurance coverage, your financial savings and your well being are in danger. Whereas we won’t repair the American healthcare system, we do not need freelancers to go with none sort of well being protection. In case you have extra questions on your choices, members can communicate with our specialists straight at membership@freelancersunion.org.