For many people that are employed with regular jobs, sometimes insurance is hard to come by. So you can imagine what struggle some writers go through when they have to figure out how they are going to get health insurance for the free-ranging, nomadic freelance writer.
Because the health insurance industry is so complicated and complex, it is difficult for some organizations to come up with funds to help freelance journalists create a group for affordable insurance plans.
The Society of Environmental Journalists (SEJ) have a task force that is one of those without resources to form an insurance group of its own, due to differences in state laws. Each insurance policy varies by each state, so it makes it almost impossible for them to provide a group with that massive span of legal differences.
Each state has laws that hold agents to different standards for policies that they sell. And each individual is different and is insured based on personal information.
Take for example a college student, in good health. It would cost $66 to $236 depending on deductibles and co-pays, but for a student that can be difficult to come by. Once you graduate and are on your own insurance plans go way up. Plans start from $125 and can go as high as $818 per month! (These price quotes are available from https://www.ehealthinsurance.com)
So, while SEJ cant offer group insurance packages they have rounded up other organizations that do. There are unions, alumni associations, professional groups and in some states AAA offers group insurance plans for freelance writers.
Here is a list of Health Insurance providers compiled by SEJ (http://www.sej.org/library/health-insurance-information-freelancers):
- http://www.healthinsuranceinfo.net, sponsored by the Georgetown University Health Policy Institute
- http://www.healthcarecoach.com, maintained by the nonprofit National Health Law Program;
- http://www.healthinsurance.org/learn/, a nonprofit sponsored website that provides consumers and the self-employed information on a variety of health insurance issues;
- http://www.familiesusa.org, a national, nonpartisan, nonprofit group dedicated to helping Americans obtain high-quality, affordable health care; and
- http://www.coverageforall.org/about_us.htm, a San Jose, Calif.-based nonprofit that offers a variety of information and tools to help the uninsured.