Health Insurance for Freelancers and Gig Workers: Your Best Options

More people than ever are turning to freelance work, consulting and gig-based jobs to make a living. While the freedom and flexibility can be rewarding, it also means you don’t have access to employer-sponsored health insurance. Fortunately, there are several options available to ensure you are covered.

Health Insurance Solutions for Independent Workers

Navigating health insurance on your own can feel overwhelming, but understanding your choices is the first step. The following are some of the options for New York freelancers and gig workers:

• New York State of Health Marketplace—As New York’s official health insurance exchange, it offers a range of individual plans. Depending on your income, you may qualify for subsidies to lower your monthly premium.

• Freelancers Union and professional associations—Organizations like Freelancers Union offer access to health plans or group discounts for eligible members.

• Private health insurance—These plans are available directly from insurers and may offer more flexibility in provider networks, although they are typically more expensive.

• Spouse or partner’s employer plan—If you’re married or in a domestic partnership, you may be able to join your partner’s health insurance plan.

• Medicaid or Essential Plan—If your income qualifies, these state-supported options provide comprehensive coverage with little or no cost.

New York has a fairly robust individual insurance market, and it’s one of only a few states that offers an Essential Plan for low- and moderate-income residents who may not qualify for Medicaid.

Let Us Help You Find the Right Fit

Health insurance shouldn’t be a guessing game, especially when you’re managing your own income. United Benefits Solutions helps freelancers and gig workers in New York find affordable, comprehensive coverage that meets both their healthcare and financial needs. Contact us today for expert guidance and a quote tailored to your lifestyle.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.