Friday, March 27, 2009
30-Day Economic Stability Challenge: More health group love
Yesterday's post on health insurance for the creative freelancer left me a little deflated. There might be one group there that might offer me better health insurance, but most of them were for New York City freelancers and therefore no use for me.
So what do you do if you don't live in New York and still want the warm embrace of group health insurance? Consider these options:
Your local Chamber of Commerce
I know most creative professionals think of chambers of commerce as a place for local restaurant owners, accountants and the owner of the biggest bowling alley in town--in other words, not our crowd.
But some chambers of commerce offer health coverage for sole proprietors and small businesses. All groups have dues, some of which are deductible, but you get the bonus of networking with professionals who could use a good writer or editor. Doesn't seem like a bad deal.
National Association of the Self-Employed (NASE)
Hundreds of thousands of entrepreneurs belong to this group, which offers discounts on everything from roadside assistance costs to term life insurance. It offers health insurance through the MEGA Life and Health Insurance Company. But beware: There are red flags on this company at sites such as The Ripoff Report and Attorney Pages. I haven't been able to find any reports on this from legitimate news sources, and would love to hear if you have experience with this company denying claims in bad faith. If that's the case, I don't see the difference between having health insurance through them and the individual market.
I also received a call from a group called One Person Group, which offers group health coverage to self-employed and sole-proprietor professionals. It claims to be the first of its kind, and I'd love to hear if there are freelance writers who use it and how they like it.
Know of others? Leave them in the comments so other freelancers can benefit from your knowledge.
Photo by woodleywonderworks.