PPO health insurance and other benefits for the self-employed

Sign up for access to a comprehensive suite of health benefits

Cigna & EmblemHealth PPO Plans

  • Cigna National network (Open Access Plus network)
  • Emblem Health (HIP Prime network)
  • Premier hospitals on both networks
  • Out-of-network coverage


Who Qualifies

  • Independent contractor or small businesses and their employees (if any)
  • Consistent 1099 or business income of at least $2,400/month
  • Located in New York, New Jersey, Connecticut or Pennsylvania
  • Have an EIN for your freelance business (you can get one here for free)


How It Works

  • Hire our partner, a Professional Employer Organization, as your outsourced HR Department and set up monthly payroll
  • As a member of the PEO, you will have access to a suite of benefits, including health insurance, workers comp, and disability insurance
  • Bear in mind that PPO health insurance may be more expensive than the plans that are available on the individual market

This program brings you a suite of benefits you can't get on your own. Eligible independent contractors and small business owners can access national PPO coverage with premium hospitals and other benefits tailored to their business.
You can enroll in this program throughout the year.

Your freelance business must be able to support a monthly payroll of about $2,400/month. The majority of this will pay for benefits, taxes, and fees and some will come back to you as personal income. Speak with one of our partner's experts to design the right package for you.

Don't think this program is right for you?

Enroll in one of our standard health plans, with no minimums or special requirements.

Fine Print - Lawyers Made Us Do It!

Freelancers Union, Inc. (FU) is not a licensed insurance agent. Freelancers Insurance Agency (FIA), a wholly owned subsidiary of FU, is a licensed health insurance producer in New York, California, New Jersey, Pennsylvania, Connecticut, Texas, Georgia, and Florida, and is the agent of record for dental sales in these states only. FIA contracts with HealthPlanServices, Inc. (HPS), a nationally licensed insurance producer. Other than in New York, HPS is acting as the health insurance agent of record for health (medical) insurance. In New York, FIA is the agent of record. HPS pays royalty fees to FU for the use of its intellectual property, which are used for the general purposes of FU.

FIA is a licensed producer in the lines of Property and Casualty insurance in New York, California, New Jersey, Pennsylvania, Texas, Florida, and Georgia only. FIA contracts with Hiscox Inc., a nationally licensed insurance producer. Other than New York, California, New Jersey, Pennsylvania, Texas, Florida, and Georgia, Hiscox is acting as the insurance agent of record.

All New York individual health insurance plans on this site provide in-network only coverage, except for urgent or emergency care depending on the carrier's policies. Only plan highlights are shown. Coverage is subject to all terms, conditions, limitations and exclusions set forth in the contract of insurance.

You should consider your needs when selecting products. FU does not make specific product recommendations for individuals. Each insurer has sole responsibility for its products. FU and FIA are not insurers.

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