Health Insurance
Getting Covered as a Freelancer Has Never Been Easy – Until Now
Independent workers face many obstacles when it comes to finding affordable and adequate health insurance coverage. That’s why we’ve done the research to bring you the most important insurance products on the market.
Log in to see our accessible and affordable healthcare coverage options based on your location, age, and average income:
When you buy insurance through us, you support our advocacy work at no cost to you.
About Open Enrollment
open Enrollment is OPEN!
Open Enrollment is the one time of year when you can purchase or adjust your health insurance plan for the coming year.
This year’s window is from November 1 – January 15, 2023. If you miss it, you’ll have to wait until next year.
The only exceptions are if you experience a Qualifying Life Event, such as: losing existing healthcare from a job or COBRA, aging out of your parents’ health plan, getting married or divorced, having a child, or moving to a different state or region.
If traditional health insurance doesn’t work for you, check out our other options to get freelance group coverage through Opolis or low-cost access to medical care through Galileo Medical
About Our Health Insurance
You’re the boss. Give yourself good benefits.
A health plan is a year-long commitment with serious implications for your ability to access and afford health care, so you need information and options you can trust.
Here at Freelancers Union, we can help you navigate the insurance market to get the coverage you need at a price you can afford. As an advocate for our members, our mission is to protect and improve the lives of independent workers. Part of that means helping you navigate the insurance industry, as well as connecting you to quality coverage at the best possible price.
When it comes to insurance, we’re experts. We have more than 20 years of experience connecting freelancers to the right insurance plans. When you purchase through us, you help sustain Freelancers Union’s advocacy, support, and community programs at no cost to you! You can also rest assured that we’re here for you if you ever have questions about your health plan.
Health Insurance Quick Links
New York
Small Business Benefits
Level up your freelance business with a full suite of benefits from our Professional Employer Organization partner, including PPO plans with out-of-state coverage, for residents of New York, New Jersey, & Pennsylvania.
About Galileo
Galileo makes it easy to get an annual wellness visit
Virtual annual exams are convenient and affordable on the Galileo app. See your doctor anytime, from anywhere—no driving across town or taking time off work. Instead of waiting to see a doctor when you’re sick, wellness visits are proven to not only improve your health, but also give you peace of mind.
When you have your annual exam with Galileo, here’s what you get for no additional cost:
- Personalized advice and recommendations
- Ongoing care for any existing issues
- Unlimited follow-ups by chat or video
You will be redirected to NB Marketplace
Additional Options for Freelancers
THE FINE PRINT (LAWYERS MADE US DO IT)
Freelancers Union, Inc. (FU) is not a licensed insurance agent. Freelancers Insurance Agency (FIA), a wholly owned subsidiary of FU, is a licensed health insurance producer in New York, California, New Jersey, Pennsylvania, Connecticut, Texas, Georgia, Florida, North Carolina, and Colorado and is the agent of record for dental sales in these states only.
FIA is a licensed producer in the lines of Property and Casualty insurance in New York, California, New Jersey, Pennsylvania, Texas, Georgia, Florida, North Carolina, and Colorado only. FIA contracts with Hiscox Inc., a nationally licensed insurance producer. Other than New York, Pennsylvania, New Jersey, California, Texas, Georgia, Florida, North Carolina, and Colorado, Hiscox is acting as the insurance agent of record.
All New York individual health insurance plans on this site provide in-network only coverage, except for urgent or emergency care depending on the carrier’s policies. Only plan highlights are shown. Coverage is subject to all terms, conditions, limitations and exclusions set forth in the contract of insurance.
You should consider your needs when selecting products. FU does not make specific product recommendations for individuals. Each insurer has sole responsibility for its products. FU and FIA are not insurers.