{"id":17347,"date":"2017-10-01T14:04:15","date_gmt":"2017-10-01T19:04:15","guid":{"rendered":"https:\/\/www.hostgator.com\/blog\/?p=17347"},"modified":"2025-07-21T13:26:09","modified_gmt":"2025-07-21T18:26:09","slug":"insurance-self-employed-freelance","status":"publish","type":"post","link":"https:\/\/www.hostgator.com\/blog\/insurance-self-employed-freelance\/","title":{"rendered":"How To Get Insurance When You&#8217;re Self-Employed"},"content":{"rendered":"<h2><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17604\" src=\"https:\/\/www.hostgator.com\/blog\/wp-content\/uploads\/2017\/09\/FindingInsurance.png\" alt=\"Finding Insurance as a Freelancer\" width=\"1199\" height=\"628\" srcset=\"https:\/\/www.hostgator.com\/blog\/wp-content\/uploads\/2017\/09\/FindingInsurance.png 1199w, https:\/\/www.hostgator.com\/blog\/wp-content\/uploads\/2017\/09\/FindingInsurance-300x157.png 300w, https:\/\/www.hostgator.com\/blog\/wp-content\/uploads\/2017\/09\/FindingInsurance-768x402.png 768w, https:\/\/www.hostgator.com\/blog\/wp-content\/uploads\/2017\/09\/FindingInsurance-1024x536.png 1024w\" sizes=\"(max-width: 1199px) 100vw, 1199px\" \/>Finding Insurance When You&#8217;re a Freelancer<\/h2>\n<p>Freelancing will always involve some risk, but there&#8217;s no need to take on more risk than you must.<\/p>\n<p>Unlike working for someone else, working for yourself means setting up all the benefits you used to get through your employer. If you&#8217;re making the switch to self-employment, here are some pointers for finding policies to protect your health, your income, and your new business.<\/p>\n<p><a href=\"https:\/\/www.hostgator.com\/managed-wordpress-hosting\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-12309\" src=\"https:\/\/www.hostgator.com\/blog\/wp-content\/uploads\/2016\/09\/WordPress-Hosting-2.gif\" alt=\"Recommended WordPress Hosting\" width=\"468\" height=\"60\" \/><\/a><\/p>\n<h2>Health Insurance for the Self-Employed<b> <\/b><\/h2>\n<p>No matter what type of business you&#8217;re in, if you&#8217;re self-employed or a freelancer in the US, you&#8217;re going to have to become an expert on your health insurance options.<\/p>\n<p>Depending on how many insurers offer plans in your area, you may have plenty of coverage options or next to none. Costs can vary from sort of reasonable to jaw-dropping. Benefits can vary dramatically from one plan to the next. And of course, the health insurance landscape can change depending on politics, so what works today may not apply in a year or two.<\/p>\n<p>For now, though, here are some places to look for coverage that offers you the best combination of cost, benefits, and participating providers.<\/p>\n<ol>\n<li><strong>Get covered by someone else&#8217;s policy.<\/strong> If you&#8217;re married, in a domestic partnership, or young enough to stay on your parents&#8217; health insurance, going with their coverage may be your best bet in terms of cost and ease of enrollment.<\/li>\n<li><strong>Check out the marketplace.<\/strong> Even if you don&#8217;t qualify for a subsidy, you can still buy a plan on <a href=\"https:\/\/www.healthcare.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Healthcare.gov <\/a>during the open enrollment period. <em>Note that once you buy a plan through the marketplace, you&#8217;ll need to notify them each year if you buy a plan somewhere else.<\/em> Otherwise, you&#8217;ll be automatically enrolled in a marketplace plan that you&#8217;ll have to cancel.<\/li>\n<li><strong>Contact insurance companies directly.<\/strong> You may be able to buy an individual plan directly from an insurer. This will almost certainly cost more than a marketplace plan, but it can be a good option if the insurer&#8217;s network includes the doctors and hospitals you prefer and the local marketplace plans don&#8217;t.<\/li>\n<li><strong>Talk to your payroll service provider.<\/strong> Some offer small group and individual health insurance policies for their clients as part of their benefits-administration services.<\/li>\n<li><strong>Go to class.<\/strong> Some community colleges and universities offer affordable, low-deductible health insurance to students taking as few as three credit hours, even via distance learning. This might be cost-effective even with tuition and fees factored in-and depending on the classes you take, it can help you with your professional development.<\/li>\n<li><strong>Talk to other self-employed people in your industry and city to find out about local and industry-specific options.<\/strong> You can also pull together a group of friends or peers to split up health insurance research tasks and share information. I&#8217;ve done this with a group of about half a dozen friends, which is how I learned about some of the school insurance programs.<\/li>\n<\/ol>\n<p>Whatever option you choose, read the benefits, limits and exclusions carefully before you enroll to avoid costly surprises later.<\/p>\n<p>For example, one academic plan I looked at recently would have saved me more than $1,000 a year on premiums, had a deductible in the hundreds rather than the thousands, <i>and<\/i> it included my preferred doctors. Unfortunately for this EpiPen-carrying allergy patient, the plan specifically excluded allergy treatment, so my risk of unreimbursed ER bills and medication outweighed the lower premiums. You&#8217;ll also want to find out ahead of time if you&#8217;re locked into the plan for a full year or if you can change plans mid-year if you find a better option later on.<\/p>\n<h2>Disability Coverage for Solopreneurs<\/h2>\n<p>Compared to health insurance, disability coverage doesn&#8217;t get much attention, but it should. Health insurance may cover most of your medical bills, but if you&#8217;re too sick or injured to run your business for more than a few weeks, how will you pay your rent, utilities and grocery bills?<\/p>\n<p>A disability policy can give you up to about 60% of your take-home pay (not your business gross) while you&#8217;re unable to work, and the monthly premium for many plans costs less than a couple of delivery pizzas. The catch is that it&#8217;s not always easy to qualify for disability coverage as an independent worker.<\/p>\n<p>The first place to start is with your insurance agent or financial planner, but you may have to look elsewhere if their companies don&#8217;t insure freelancers. That was the case when I started shopping for disability coverage about five years ago. I ended up finding a policy through the Freelancers Union, a New York-based advocacy group. They have since rolled out a <a href=\"https:\/\/www.freelancersunion.org\/benefits\/\" target=\"_blank\" rel=\"noopener noreferrer\">National Benefits Platform<\/a> that lets you search for several types of insurance, including disability.<\/p>\n<p>The premiums you pay will be based on your age, your income, and the elimination period (30 to 90 days) before you start getting benefits after a claim. Benefits aren&#8217;t forever   they&#8217;re usually capped at a certain number of years based on your age or end when you hit retirement age. Review your coverage every couple of years to see if you need to buy a larger policy to keep up with your (ideally) growing self-employment income.<\/p>\n<h2>Liability Coverage for Independent Service Providers<b> <\/b><\/h2>\n<p>No matter what type of freelance work you do&#8211;writing, web design, makeup artistry, or something else&#8211;you&#8217;ll sleep better if you have a professional liability policy that pays to defend you in case of a client lawsuit. If you want to land contracts with government agencies and enterprise clients, you&#8217;ll almost certainly need to show proof of liability insurance in order to bid.<\/p>\n<p>As with disability coverage, start your liability coverage search with your insurance agent, financial advisor, or the Freelancers Union. <span data-olk-copy-source=\"MessageBody\">For service providers in the trades, exploring specialized <a href=\"https:\/\/www.contractornerd.com\/business\/\">business insurance options for contractors<\/a> can help you find coverage tailored to the unique risks of hands-on work, from property damage to equipment protection. <\/span>You can also check with professional organizations in your industry and look for industry-specific insurers.<\/p>\n<h2>Other types of insurance you may need<\/h2>\n<p>If you handle sensitive or confidential client information, a <a href=\"https:\/\/www.hostgator.com\/blog\/data-breach-plan\/\">data breach policy can protect you in case of digital or physical theft<\/a>. Does your work take you outside the country? You&#8217;ll probably want international health and medical evacuation insurance, because most US-based health insurance policies don&#8217;t cover out of country expenses.<\/p>\n<p>Remember that your insurance needs may change as your freelance business grows. It&#8217;s a good idea to review your coverage once a year to make sure you have the right policies and the proper coverage amounts. Learn more about <a href=\"https:\/\/www.hostgator.com\/blog\/essential-tools-starting-small-business\/\">what you&#8217;ll need to start your small business <\/a>and keep it running.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finding Insurance When You&#8217;re a Freelancer Freelancing will always involve some risk, but there&#8217;s no need to take on more&#8230;<\/p>\n","protected":false},"author":162,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[98],"tags":[],"class_list":["post-17347","post","type-post","status-publish","format-standard","hentry","category-startup-small-business"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.2 (Yoast SEO v23.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Get Insurance When You&#039;re Self-Employed - HostGator<\/title>\n<meta name=\"description\" content=\"If you&#039;re making the switch to self-employment, here are some tips for finding insurance policies to protect your health, your income and your new business.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.hostgator.com\/blog\/insurance-self-employed-freelance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Get Insurance When You&#039;re Self-Employed\" \/>\n<meta property=\"og:description\" content=\"If you&#039;re making the switch to self-employment, here are some tips for finding insurance policies to protect your health, your income and your new business.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.hostgator.com\/blog\/insurance-self-employed-freelance\/\" \/>\n<meta property=\"og:site_name\" content=\"HostGator\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/HostGator\" \/>\n<meta property=\"article:published_time\" content=\"2017-10-01T19:04:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-21T18:26:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.hostgator.com\/blog\/wp-content\/uploads\/2017\/09\/FindingInsurance.png\" \/>\n<meta name=\"author\" content=\"Casey Kelly-Barton\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@HostGator\" \/>\n<meta name=\"twitter:site\" content=\"@HostGator\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Casey Kelly-Barton\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.hostgator.com\/blog\/insurance-self-employed-freelance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.hostgator.com\/blog\/insurance-self-employed-freelance\/\"},\"author\":{\"name\":\"Casey Kelly-Barton\",\"@id\":\"https:\/\/www.hostgator.com\/blog\/#\/schema\/person\/4c68d74801037eb3f313d8a456d6506a\"},\"headline\":\"How To Get Insurance When You&#8217;re Self-Employed\",\"datePublished\":\"2017-10-01T19:04:15+00:00\",\"dateModified\":\"2025-07-21T18:26:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.hostgator.com\/blog\/insurance-self-employed-freelance\/\"},\"wordCount\":1137,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.hostgator.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.hostgator.com\/blog\/insurance-self-employed-freelance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.hostgator.com\/blog\/wp-content\/uploads\/2017\/09\/FindingInsurance.png\",\"articleSection\":[\"Startup &amp; 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