How to get health insurance for freelancers

how to get health insurance for freelancers
how to get health insurance for freelancers 
Health insurance for freelancers can be a bit complicated. It’s a great idea to educate yourself on the topic to know your options in and out before making a decision. Several of the options listed below you can combine to also help keep healthcare costs down.

Flat-Fee Doctor

This option is good if you visit the doctor frequently. There are doctors that charge a monthly rate and you get unlimited visits. Keep in mind this is specifically to see the doctor, meaning hospital and pharmacy costs are separate.
This option is a perfect alternative for someone that has a medical condition that requires them to see the doctor on a weekly or even monthly basis.

Freelancer’s Union

Freelancers Union has been around since 1995. It’s free to join.
In 2014, they launched their National Benefits Platform. Including health and dental insurance. 
There are quite a few options, and with approximately 25,000 independent workers insured through freelancers union, there is something available for almost everyone.

Healthcare as a Business

If you 've your freelancing company registered through the state you are in as a business, this option may work best for you. You would be able to get health insurance at lower rates not only for yourself but also for your family and any employees you might have.
Every state varies and their options can change annually. This might be less expensive than an individual/family plan, or it might be more depending on where you live.

Recent Change of Employment

If you became a freelancer recently after leaving your traditional job with health insurance, most health insurance plans offer the option to convert your existing group plan into an individual plan. The costs of individual plans tend to be higher than the group plans, but working for yourself will more than likely save costs such as uniforms and commute expenses which can be used to cover the difference.
If you are considering leaving your job to become an independent worker or freelance worker, you can also do your research with your current health care to see if you qualify for a special enrollment period. This varies by states and healthcare providers.

Local Chamber of Commerce

If your freelance profession has associations, you might be able to get group health insurance through these kinds of memberships. You will want to research self-employed worker associations or independent worker associations.
These group health insurance options are like the kind of group health insurance you would get through a traditional employer. In this case, the individuals of these groups come together to bring the rates down as a group.

Spouse’s Health Insurance

If you are married or have a domestic partner with health insurance, then this might be an option for you to consider and compare. If you are not legally married to someone else, share the same home and live together you may qualify as a domestic partner. As a domestic partner, you may qualify to be on the same health insurance plan.


This might be an option if you are a freelancer with little income or starting a solo business with little income. If you qualify, would give you either low-cost insurance or free one.
As your income increases, you make the appropriate changes to your plan and you will get the savings you qualify for based on income increase. This option is great when first starting out as a freelancer as you work your way up the income ladder.