It’s that time of year again — the autumn leaves are spectacular…and come November, it’ll be time to figure out your healthcare coverage as a freelance writer.
It’s healthcare plan renewal/signup time, or — if you’re just contemplating making the leap into freelancing (and don’t live in a country with national healthcare) — time to figure out how to keep your family protected as leave the corporate world.
I’ve heard from more than one writer in recent weeks who’s hesitant to go freelance because the healthcare issue makes them nervous. And hearing that makes me sad.
Don’t let this be the issue that stops you from pursuing your freelance writing dream! This. Is. Solvable. Especially now, in the U.S., where I’m thrilled that there are more options than there were when I started my most recent freelance stint in 2005. (If you’re elsewhere, check out these emerging alternatives that help freelancers limit their risks if they become ill.)
Here’s a rundown of the ways you can get healthcare coverage as a freelancer — and some of my personal experiences with them):