If you've decided to take the freelancer route, it can be exciting and somewhat scary at the same time. Your career is essentially in your hands which can be a blessing as well as something that can leave a world of unknowns before you.

One thing you needn't worry about is health insurance, despite the pre-conceived ideas about a freelancer's ability to find coverage you had in your mind as you embarked on your career journey. Your health is as important as anything else in your life, so don't let lack of coverage prevent you from getting the care and treatment you may need now and in the future. Freelancers can indeed get health insurance, and here are some ways to do it.

Affordable Care Act (ObamaCare)

According to ObamaCare Facts, most of the healthcare provisions in the ACA are available to freelancers. Freelancers can take advantage of tax deductions related to health care as well as reduce the cost of health coverage. The benefit to the self-employed is that health insurance premiums are fully deductible on tax returns for the freelancer and their dependents.

Of course there are restrictions, so visit the U.S Department of Health & Human Services for specifics, but in a nutshell, Make a Living Writing gives some key takeaways:

  • You must be a legal U.S. resident and have a low income
  • Legal immigrants can obtain coverage
  • All basics covered, even dental
  • Not low-income? Check out the Healthcare Marketplace which offers a bunch of plans

Whatever your feelings about Obama may be, this plan has been helpful for many a freelancer seeking health coverage thanks to this program.

COBRA

As per HealthCare.gov, COBRA (Consolidated Omnibus Budget Reconciliation Act) is, "A federal law that may allow you to temporarily keep health coverage after your employment ends, you lose coverage as a dependent of the covered employee, or another qualifying event. If you elect COBRA coverage, you pay 100% of the premiums, including the share the employer used to pay, plus a small administrative fee."

So if you freelance now but used to be employed by another, COBRA can be a smart coverage choice. That said, there are specifications to this type of coverage. One instance is that coverage won't last forever. As per Make a Living Writing, coverage is only extended up to 18 months. This bides you some time to find a new plan once you establish your next career move. In addition, premiums can be pricy, but since you may have no other option at the time, COBRA will save you from paying full out-of-pocket costs which can be astronomical.

Your Spouse's Plan

If you are married or in some cases have a legal partnership that allows for one person to be on the other's health plan, hopping aboard their plan can be a great option. Naturally, every plan has its own rules and regulations, so read the fine print to make sure the added costs are not too high and this is the best coverage plan for your needs. As per Make a Living Writing, the author noted, "Cost-compare. At one point, we discovered my husband's employer's policy was actually worse for coverage and more expensive than self-insuring, so we switched."

VeryWell suggests, "If you and your spouse or partner are both eligible for employee health benefits, check out each company's health insurance options during open enrollment to see which may cost you less. Employers differ considerably in the amount of premium contributions and you may be able to save money by switching to your spouse's family coverage."

To make sure you are making the right decision, WebMD advises, "If you have questions, call the health plan or your company's human resources manager and ask for help. Also check to see what tools or resources are available. Some employers offer worksheets or online tools to help you estimate costs and compare plans."

Freelancers Union

Freelancers Insurance Agency (FIA) is a wholly owned subsidiary of Freelancers Union and is a licensed health insurance provider in California, Colorado, Connecticut, Georgia, Maryland, New Jersey, New York, Pennsylvania, District of Columbia, and Virginia, and works in contract with HealthPlanServices, Inc., a nationally licensed insurance provider.

Dental coverage is provided via Guardian and freelancers can get an average savings on dental costs of 35%. For more details, visit, Freelancers Union.

There's no need to go without some type of health coverage as a freelancer. Don't let the upfront costs turn you off, as they will save you hundreds, if not thousands over time if you need to see a doctor, require hospital stay, surgery, or something else health-related. Not to mention, if you can afford insurance and opt not to buy it, you will be responsible to pay a fee. You're much better off putting that money towards your health.

Find out the plan that best suits you and get covered today!

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Over two years into the most momentous event in our lives the world has changed forever … Some of us have PTSD from being locked up at home, some are living like everything’s going to end tomorrow, and the rest of us are merely trying to get by. When the pandemic hit we entered a perpetual state of vulnerability, but now we’re supposed to return to normal and just get on with our lives.

What does that mean? Packed bars, concerts, and grocery shopping without a mask feel totally strange. We got used to having more rules over our everyday life, considering if we really had to go out or keeping Zooming from our living rooms in threadbare pajama bottoms.

The work-from-home culture changed it all. Initially, companies were skeptical about letting employees work remotely, automatically assuming work output would fall and so would the quality. To the contrary, since March of 2020 productivity has risen by 47%, which says it all. Employees can work from home and still deliver results.

There are a number of reasons why everyone loves the work from home culture. We gained hours weekly that were wasted on public transport, people saved a ton of money, and could work from anywhere in the world. Then there were the obvious reasons like wearing sweats or loungewear all week long and having your pets close by. Come on, whose cat hasn’t done a tap dance on your keyboard in the middle of that All Hands Call!

Working from home grants the freedom to decorate your ‘office’ any way you want. But then people needed a change of environment. Companies began requesting their employees' RTO, thus generating the Hybrid Work Model — a blend of in-person and virtual work arrangements. Prior to 2020, about 20% of employees worked from home, but in the midst of the pandemic, it exploded to around 70%.

Although the number of people working from home increased and people enjoyed their flexibility, politicians started calling for a harder RTW policy. President Joe Biden urges us with, “It’s time for Americans to get back to work and fill our great downtowns again.”

While Boris Johnson said, “Mother Nature does not like working from home.'' It wasn’t surprising that politicians wanted people back at their desks due to the financial impact of working from the office. According to a report in the BBC, US workers spent between $2,000 - $5,000 each year on transport to work before the pandemic.

That’s where the problem lies. The majority of us stopped planning for public transport, takeaway coffee, and fresh work-appropriate outfits. We must reconsider these things now, and our wallets are paying

the price. Gas costs are at an all-time high, making public transport increase their fees; food and clothes are all on a steep incline. A simple iced latte from Dunkin’ went from $3.70 to $3.99 (which doesn’t seem like much but 2-3 coffees a day with the extra flavors and shots add up to a lot), while sandwiches soared by 14% and salads by 11%.

This contributes to the pressure employees feel about heading into the office. Remote work may have begun as a safety measure, but it’s now a savings measure for employees around the world.

Bloomberg are offering its US staff a $75 daily commuting stipend that they can spend however they want. And other companies are doing the best they can. This still lends credence to ‘the great resignation.’ Initially starting with the retail, food service, and hospitality sectors which were hard hit during the pandemic, it has since spread to other industries. By September 2021, the US Bureau of Labor Statistics reported 4.4 million resignations.

That’s where the most critical question lies…work from home, work from the office or stick to this new hybrid world culture?

Borris Johnson thinks, “We need to get back into the habit of getting into the office.” Because his experience of working from home “is you spend an awful lot of time making another cup of coffee and then, you know, getting up, walking very slowly to the fridge, hacking off a small piece of cheese, then walking very slowly back to your laptop and then forgetting what it was you’re doing.”

While New York City Mayor Eric Adams says you “can't stay home in your pajamas all day."

In the end, does it really matter where we work if efficiency and productivity are great? We’ve proven that companies can trust us to achieve the same results — or better! — and on time with this hybrid model. Employees can be more flexible, which boosts satisfaction, improves both productivity and retention, and improves diversity in the workplace because corporations can hire through the US and indeed all over the world.

We’ve seen companies make this work in many ways, through virtual lunches, breakout rooms, paint and prosecco parties, and — the most popular — trivia nights.

As much as we strive for normalcy, the last two years cannot simply be erased. So instead of wiping out this era, it's time to embrace the change and find the right world culture for you.

What would get you into the office? Free lunch? A gym membership? Permission to hang out with your dog? Some employers are trying just that.

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Did you hear about the Great Resignation? It isn’t over. Just over two years of pandemic living, many offices are finally returning to full-time or hybrid experiences. This is causing employees to totally reconsider their positions.

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