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  1. #1
    Join Date
    May. 13, 2008
    Location
    Western MA
    Posts
    606

    Default Freelancers - what do you do about health insurance?

    Just before Thanksgiving I was (very unexpectedly) laid off from my job. It was an office position I loved, and was very successful at. I've been desperately searching for a full time receptionist/secretarial position, but there are very few places hiring right now.

    I've always been doing a bit of freelance writing on the side, but that's built up in the last few months and is currently at the point where it might be feasible for me to be able to compensate with it for only working a part-time, 30-hour position, if I can find one. I think I can probably find part-time work more easily than I can find something full-time right now.

    But, the issue here (besides the stress of needing to continue to build up freelance work and relying on something fairly unstable for income) is the fact that I would need health insurance. I live in MA. I know some places, like Starbucks, offer insurance for PT employees, but the nearest Starbucks is an hour away!

    So, for you freelancers, what do you do for health insurance? How do you get by? This isn't an ideal option for me, as I'd very much prefer full time work with benefits, but things are so financially tight right now, I feel like I need to do whatever I can to improve this situation ASAP!



  2. #2
    Join Date
    Dec. 2, 2009
    Posts
    3,801

    Default

    I would look into your local Chamber of Business and Commerce. They often have small business group buying discounts for health insurance!

    Best of luck!



  3. #3
    Join Date
    Aug. 18, 2011
    Location
    CT
    Posts
    297

    Default

    I'm in CT, self-employed as a writer, and use Anthem (Blue Cross Blue Shield). It's a high deductible plan, but I pay less than $200 per month and get the benefit of their negotiated rates with health providers.

    For what it's worth, your mileage may vary, etc.
    Horsey romances written by a horsey person
    www.JesseHayworth.com



  4. #4
    Join Date
    Aug. 18, 2011
    Location
    CT
    Posts
    297

    Default

    Dupe post. Sorry!
    Horsey romances written by a horsey person
    www.JesseHayworth.com



  5. #5
    Join Date
    Nov. 13, 2006
    Posts
    1,522

    Default

    You might see if group health is available in your state. Their catastrophic coverage is pretty reasonable. And as the idiot that recently fell off a stack of hay I am so thankful I have it



  6. #6
    Join Date
    Feb. 22, 2000
    Location
    passepartout
    Posts
    10,411

    Default

    Your state farm bureau may have a good option. You will have to pay a $25 membership fee for the farm bureau but the coverage is usually very reasonable.

    I get my insurance this way, and I have to say that I really, really like the service I get. I know the people in the office, whoever answers the phone or email actually knows who I am, and I'm always happy to refer friends to them. I was amazed that personal service actually still exists in this particular industry.



  7. #7
    Join Date
    Aug. 30, 2011
    Location
    Massachusetts
    Posts
    1,347

    Default

    https://www.mahealthconnector.org/portal/site/connector

    ^^ That's the Commonwealth Health Insurance Connector. You ought to be able to find something that works for you.



  8. #8
    Join Date
    May. 12, 2001
    Location
    DC
    Posts
    1,642

    Default Freelancers Union

    May not be available in your area, but the Freelancers Union has a health insurance plan and even it's own medical clinic-
    https://be.freelancersunion.org/bene...ncers-medical/
    Snobbington Hunt clique - Whoopee Wagon Fieldmaster
    Bostonians, join us at- http://groups.yahoo.com/group/Boston_Equestrian
    NYC Equestrians- http://sports.groups.yahoo.com/group/urbanequestrian/



  9. #9
    Join Date
    May. 13, 2008
    Location
    Western MA
    Posts
    606

    Default

    Thanks for the suggestions, everyone! I'll look into all options!



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