Insurance Eligibility

Freelancers Union offers members group insurance plans and individual market insurance plans. The eligibility requirements vary depending on what type of plan you are interested in purchasing.

Insurance Type & Availability Carrier Eligibility
 HEALTH INSURANCE
NY,NJ,CT		 Empire BlueCross BlueShield
& PerfectHealth
 Group Plans:
Use Freelancers Union Eligibility
 HEALTH INSURANCE
30 States *		  UnitedHealthcare's Golden Rule Insurance Company and other affiliates Individual Market Plans:
Visit the Golden Rule Website
LIFE INSURANCE
50 States		 Guardian
 Group Plans:
Use Freelancers Union Eligibility
DISABILITY INSURANCE
50 States		 Guardian Group Plans:
Use Freelancers Union Eligibility
DENTAL INSURANCE
50 States		 Guardian
 Group Plans:
Use Freelancers Union Eligibility

* Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Nebraska, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Wisconsin.

ELIGIBILITY

Group Insurance Plans
To be eligible for one of our group plans, members must meet the Freelancers Union eligibility requirements and complete an eligibility application -- see How to Apply.

Group plans include:

Individual Market Insurance Plans
If you are applying for a Golden Rule health insurance plan, Freelancers Union doesn't determine eligibility, but depending on the rules in your state, rates and coverage might vary based on your medical history. For more information, visit the Golden Rule website.

NOTE: If you are applying for a Golden Rule health insurance plan AND one of our group insurance plans, you will need to complete a Freelancers Union eligibility application for the group insurance plan.

FREELANCERS UNION ELIGIBILITY REQUIREMENTS

To qualify for insurance benefits you must satisfy each of the following requirements:

1. You must be an independent worker.

2. You must meet the residency requirements below. You will be required to enter the type of insurance plan(s) you are applying for at the time of application.

 Insurance Type
 Residency Requirement 
Dental Insurance
 Must be a U.S. resident
Disability Insurance Must be a U.S. resident
Empire or PerfectHealth Health Insurance* Must live OR work in New York State
Life Insurance
 Must be a U.S. resident

*Coverage areas vary by health insurance plan and may not include all areas of New York state.
3. You must work in one or more of the following eligible industries and occupations:
  • Arts, Design & Entertainment
  • Domestic Child Care giver
  • Financial Services
  • Media & Advertising
  • Nonprofit
  • Skilled Computer User
  • Technology
  • Traditional or Alternative health care provider

4. You must demonstrate that you have done one of the following while working in the eligible
industries or occupations above:
  • Worked at least 20 paid hours in each of the last 8 weeks

OR

  • Earned at least $10,000 for work done within the last 6 months

For questions about eligibility contact Member Services.
See How to Apply.