Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Freelance writers rely on unions and similar organizations for group health care coverage
  • Several organizations offer health, dental and vision benefits
  • These organizations are often designed for writers or independent entrepreneurs
  • The organizations typically either have partnerships or contracts with the insurers
  • Between the different unions and subsidiary insurers, writers have several options for coverage

If you’re employed as a writer and you receive Form W-2 for taxes, you may have access to group health insurance through your employer. However, if you work independently as a freelance writer, obtaining group health insurance is a bit more complicated.

Fortunately, there are a number of options available for freelance writers without employers who still need health insurance for themselves and their family members.

Group health insurance plans may be described as employee benefit plans maintained by an employer or employee organization, like a union, that provides participants and their dependents with coverage for medical care.

Since many freelance writers have no employer, union-like organizations are often the greatest resource for obtaining group health insurance. Some of the best places for freelancers to search for group health insurance plans are independent contractor associations, writers guilds, and writers unions.

Here are some of the leading U.S. organizations offering writers group health insurance:

Don’t forget to check out private health insurance quotes based on your unique needs and budget with our zip code tool above!

National Writers Union

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This labor union for freelance writers, and the parent union, the United Auto Workers, are members of the American Federation of Labor Organizations. There are 13 local chapters and 1,300 members in this union.

Through a partnership with Working America Health Care, the National Writers Union offers members favorable pricing in the healthcare exchanges governed by the Affordable Care Act.

By going to Working America brokers, NWU claims members save over $230 per month, on average. NWU members also receive access to a WAHC Health Advocate, two dental plans options and vision coverage for exams, glasses, and frames. Members can choose a Dental PPO with more flexibility or a Dental HMO designed around offering more value.

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National Association for the Self-Employed

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Founded in 1981, NASE provides micro-businesses and entrepreneurs with consolidated buying power, benefits and access to resources typically exclusive to large corporations. NASE offers members self-employed health and life insurance through its partnership USHEALTH Group, which includes coverage from subsidiaries like Metlife, Golden Rule, Assurant, and others.

NASE offers self-employed individual small business health insurance quotes, free access to experts and resources, and a number of discount programs.

Coverage options offered include Fixed indemnity Health Insurance and comprehensive coverage. Supplemental plans used to enhance coverage options include short-term accident disability, accident, dental, life and critical illness.

Writers Guild of America

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Founded in 1954, this labor union has approximately 20,000 members that include writers for new media, radio, television and film. WGA offers members the Writers’ Guild-Industry Health Fund, providing hospital, medical, prescription, dental, wellness, life insurance and vision benefits.

Participants in the Fund are typically writers from the film and television industry.

Eligible dependents of participants may qualify to receive the benefits provided by the Fund. The Industry Health Fund receives contributions through a collective bargaining agreement with employers in the Motion Picture and Television Industry. The Fund is governed by an equal number of directors from the WGA and employers from the industry.

As of July 2016, the earnings minimum required to qualify for a year of employer-paid health coverage was approximately $38,300. Members may also be required to pay a $50 monthly premium to add dependents to the health coverage. Participants’ dependents are covered by the health plan until age 26, regardless of their marital status, academic status or financial status.

Freelancers Union

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This non-profit labor organization promotes the education, interest, and advocacy of independent workers. The union has a subsidiary licensed for health insurance in a number of states and contracted with HeathPlanService, Inc., a nationally licensed insurance producer.

The subsidiary, Freelancers Insurance Agency, is licensed in Virgina, California, Pennsylvania, Colorado, the Tri-State area, Georgia, Maryland, and D.C.

Outside of New York, HealthPlanService is the insurance agent of record, and FIA is the agent of record in New York. This union also offers freelancers the option of dental coverage through Guardian, providing an average savings of 35 percent.

In addition, members have access to GeoBlue, providing travel medical insurance coverage for periods of time spent abroad.

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Finding Group Health Insurance for Writers

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For independent writers, finding group health insurance coverage largely depends on qualifying for specific unions or employee organizations.

For the more writer-centric organizations, acceptance is often contingent on presenting a qualifying body of work relating to their typical area of focus.

These organizations and employee organizations geared towards freelance workers at-large typically charge some sort of membership fees along the way.

Group health insurance for writers is all about choosing the best plan available through the different employee organizations you can qualify for.

Click here to find health insurance today with instant free quotes using your zip code!