Affordable Health Insurance for Freelancers
How Much Does Health Insurance Cost for Freelance Workers?
On average, the cost of health insurance for freelancers ranges between $200 and $400 per month, however, this cost may be lower or higher depending on various factors. For instance, freelancers who live in a large urban areas might end up paying more that $400 for full-coverage health insurance whereas those living in rural areas may end up paying less than $200. Additionally, your income level, your current health, and the size of your deductible may increase or decrease your monthly insurance payment.
Plans which offer more affordable monthly payments are usually what is referred to as a "high-deductible plan". While these types of plans do offer lower monthly premiums, if you do end up needing care, you will initially have to pay a larger sum out of pocket. Although these plans may be ideal for young, healthy individuals with no preexisting medical conditions, they are not recommended for those with chronic conditions or for individuals who require expensive prescription medications or regular visits to specialist doctors.
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Insurance Through the Affordable Care Act
Many freelancers enroll in health insurance through the Health Insurance Marketplace. The Affordable Care Act, also known as "Obamacare", offers Americans numerous health insurance options so that they can find the plan which best fits their needs. Visit HealthCare.Gov to browse your options and fill out a Marketplace application; Depending on your estimated net income for the upcoming year, you may quality for premium tax credits or other savings.
Join Your Spouse or Partner's Health Insurance Plan
If your spouse or partner has a job that offers their employees health insurance benefits, you may be able to join their plan for an additional fee. Even many unmarried domestic partners are able to qualify for employer-based health insurance, and it is generally much more affordable than the options that are offered through the Health Insurance Marketplace. Simply have your spouse or partner speak to the human resources department or contact the insurance company to see if this is an option for you.
Get Insurance through a Union or Organization
Many freelance workers are members of the Freelancer's Union or another union or organization that is directly associated with their line of work (The Writer's Guild, the Screen Actor's Guild, etc.). While it is likely that you will have to pay a membership fee in order to join these types of organizations, they often times offer members extremely affordable insurance rates.
You May Qualify for Medicaid
If you are a freelancer who has low-income, you may be able to qualify for Medicaid, the government-sponsored health insurance program. To apply for Medicaid, simply visit the Health Insurance Marketplace or get in contact with your state Medicaid office. If you have children in your home under the age of 18, they may qualify for the Children's Health Insurance Program (CHIP).
Health Insurance Options for Freelancers
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Our mission is to help people take the stress out of buying health insurance. Feel confident by knowing that you'll have the absolute best plan that fits your lifestyle & budget. We look forward to working with you.