Enligt U.S. Bureau of Labor Statistics är 10 miljoner arbetare egenföretagare i landet. Att vara egenföretagare kan vara befriande, men det betyder också att du är din egen HR-avdelning också. En av de största utmaningarna du kommer att möta är att hitta prisvärda försäkringsalternativ.
Hos en traditionell arbetsgivare hade du ett begränsat utbud av sjukförsäkringsalternativ, och du kanske har haft tillgång till ett team som kunde hjälpa dig att förstå pappersarbetet och processen. Nu när du är på egen hand måste du också navigera i denna labyrint på egen hand.
Det kommer inte att vara lätt, men vi kan hjälpa dig att minska bördan lite genom att hjälpa dig lära dig om dina alternativ.
| Proffs | Nackdelar | |
| Online försäkringsmarknadsplatser | Många alternativ att välja mellanKan få personlig hjälp med att hitta rätt plan | Säljare kan vara partiska och erbjuda en plan som inte är rätt för dig |
| Affordable Care Act Marketplaces | Kan vara kvalificerad för subventioner för att sänka kostnaderna.Kan ta reda på om du är berättigad till Medicaid/ CHIP/ andra billiga försäkringsalternativ Garanterad täckning för väsentliga saker | Kan bara registrera dig vid vissa tider på året eller efter vissa evenemang. Kostnaderna kan vara höga om du inte kvalificerar dig för subventioner |
| Kortsiktig sjukförsäkring | Låg kostnad | Täcker inte väsentliga Täcker inte graviditet Täcker inte redan existerande tillstånd Kanske inte tillgängligt i ditt land |
| Genom en make eller inhemsk partner | Låg kostnad | Inte tillgängligt för ensamstående kan behöva betala mer än din make/maka/partner för täckning |
| Frilansarförbund eller andra föreningar | Kan kunna få lägre priser genom en gruppplan | Har kanske inte så många tillgängliga alternativ |
Att hålla sig frisk har aldrig varit viktigare. Skydda dig själv och dina nära och kära med en omfattande och prisvärd sjukförsäkring. Klicka på ditt tillstånd för att läsa mer. Get a Quote Today Insurance marketplaces (also known as “brokers”) are for-profit companies that sell Affordable Care Act (ACA) exchange plans and non-ACA plans. It provides you with more information and assistance than going through the ACA exchange on your own. There’s no cost to use an online marketplace; instead, it gets a kickback from the insurance companies when it sells you an insurance plan.
That kickback can be up to an average of $20/month depending on where you live, according to the Kaiser Family Foundation. That’s not chump change so brokers might present you with biased estimates. When you’re working with a broker, it’s important to ask them whether they’re presenting you with all of the options available on the Affordable Care Act marketplace, and if not, why not.
PolicyGenius is one of the largest and easiest-to-use online insurance marketplaces. In addition to health insurance, you can also get quotes for life insurance, homeowners insurance, auto insurance, renters insurance, disability insurance, and more.
To learn about insurance plans that might be right for you, choose the type of insurance you’re looking for on the homepage. Then, enter your zip code, county, and email address to see the list of plans and carriers available to you.
eHealth offers health insurance plans from over 180 companies. It’s also heavily focused toward Medicare and can help you figure out your options for this unique health insurance program. To see an immediate list of insurance plan options, select the type of insurance you’re shopping for and enter your zip code.
Speaking to a live agent can help you better understand which plan is right for you. But if you’re not ready to take that step, HealthMarkets offers a short survey instead. Once you’ve completed the survey, it compares your responses to multiple plan coverages and generates a “FitScore” for each plan that’s tailored to you. The FitScore can help you easily see which insurance plan fits your needs the best.
The Affordable Care Act is the biggest government initiative in recent years that tries to address how people — including freelancers — get affordable health insurance. The ACA created a central health insurance marketplace that’s run by either your state government or the federal government, depending on where you live.
Your options on the ACA marketplace are graded according to a set of metal tiers:
| Plan tier | 2020 average premium 1 | Insurance company pays… | You pay… |
| Bronze | $331 | 60% | 40% |
| Silver | $442 | 70% | 30% |
| Gold | $462 | 80% | 20% |
| Platinum | $501 | 90% | 10% |
It’s important to note two things here:first, the cost varies widely across the country. For example, the cheapest Bronze plan for one person costs an average of $219 in Rhode Island, but $552 in West Virginia.
Second, these numbers might shock you. If you’re a four-person family in West Virginia, for example, paying $2,208 per month on health insurance might seem like the opposite of affordable, and it is.
But one of the best features of the ACA is that depending on your income, you might qualify for subsidies that’ll help bring your actual cost down to an affordable level. You’re also notified if you qualify for Medicaid, CHIP, or other free or low-cost health insurance options.
To sign up for an ACA plan you’ll need to wait until the open enrollment period each November through December for plans that start in the new year. If you have a “qualifying life event” (see below), you can also sign up at any time:
Short-term health insurance plans are different from ACA plans because they’re not as tightly regulated. For example, they generally don’t cover preventative healthcare like annual doctor’s visits, pregnancy care, or prescription drugs.
They also come with high deductibles and carriers impose dollar limits for payouts. This type of plan is best as a temporary stop-gap measure for protection, if you get really sick or have a major accident while you’re in-between better insurance plans.
In fact, these plans are so consumer-unfriendly that they’re banned or heavily regulated in many states. Short-term health insurance plans are usually around 20% of the cost of a low-level Bronze plan, according to one Kaiser Family Foundation survey. But remember:if you need to see a doctor, it might cost you a lot more than if you purchased a full health care plan from the ACA marketplace or another source.
Not everyone has this option, but if you do, it’s generally the best way to get insured as a freelancer. Employers can provide health insurance at affordable rates for their employees, and often, their employee’s family members, too.
You might have to pay an additional fee to be included on your spouse or partner’s plan. But it’ll usually be much cheaper than finding your own plan through a broker or the ACA exchange without a subsidy. If you’re not married but you’re in a partnership you can check with your partner’s employer to see what’s required to qualify as a “domestic partner” for insurance purposes.
Professional associations can often get similar discounts that employers receive. The Freelancers Union (an unofficial union), for example, offers options for health insurance, vision insurance, and dental insurance for freelancers.
Like so many other insurance-related rates, the actual cost of these plans depends on where you live. The Freelancers Union doesn’t charge a membership fee, but other organizations do. If so, you’ll need to weigh the cost of a membership fee against any potential savings you might get from buying health insurance through an association.
The biggest factor to consider when shopping for health insurance plans as a freelancer is what your needs are.
For example, if you’re trying to start a family, you’ll want to avoid short-term health insurance plans that don’t cover pregnancy expenses. If you have a chronic illness and need health care more frequently, choosing a “cheap” Bronze health insurance plan can actually cost you more over the long run because these plans offer minimal coverage.
It’s not always easy to know what kind of health services you’ll need in the upcoming year. Some events, like a major car accident, can’t be planned. But if you focus on the kind of health services you need today, and compare multiple health insurance plans from different carriers, you’ll find there are many health insurance options for freelancers.
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