ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Insurance for Freelance Workers

Updated on October 15, 2011

Personal Health Insurance

Finding personal health insurance can be a problem if you're a freelance or telecommuting worker. Many companies hire freelance workers so they won't have to pay benefits to them, such as health and dental insurance. So what is a freelancer to do when it comes to insurance?

Finding Personal Health Insurance

While you may end up paying more for your insurance since you don't belong to a group (usually- I'll share more about this later), you CAN find personal health insurance. Where? The following are good places to start looking:

  • Personal Insurance Agent - start with the agency that sells you auto insurance. Many insurance companies sell multiple lines of insurance, including health and life insurance.
  • Health Insurance Companies - Many insurance companies will sell individual health insurance policies, but they will often charge you a much higher rate because you aren't part of a group, which drives costs down.
  • Internet Insurance Finders - many of these sites offer a searchable base of health insurance providers

  • Freelancer Health Insurance - did you know that if you join some freelancer groups, they will offer lower cost health insurance as a perk? This is well worth looking into, even if you have to pay a small membership fee.

Join a Freelance Worker Group

It is well worth your while to search for freelancer memberships that offer health insurance as a perk. Groups can get cheaper health insurance and pass it on to the members. If you are leaving a desk job and the comfort of corporate provided health insurance, this may be the answer to your insurance problems. The following freelance worker groups offer health insurance perks:

Media Bistro - for media freelancers. Register on this site for free. Join Avant Garde for $59 and get group health insurance rates.

National Writers Union - join the NWU for $120 to $340 per year, depending upon your income. Gain access to group insurance for health, disability, hospitalization, vision and more.

Proof of Insurance

Be sure that you obtain proof of your current insurance coverage before you leave your current job (assuming you're working for a corporation with health benefits). You may need this when you are looking for new insurance coverage. Some insurance companies will not accept new clients with pre-existing conditions without this proof of insurance.


Submit a Comment
  • 02SmithA profile image


    10 years ago from Ohio

    I always wondered about this, thanks!


This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

Show Details
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
ClickscoThis is a data management platform studying reader behavior (Privacy Policy)