You are an independent worker if:

You are a freelancer, sole proprietor independent contractor, consultant, temporary worker, or are self-employed, or employed part-time.

You will not be considered an independent worker if, at the time of application, you have worked full-time (i.e., 35 hours or more per week) as a W-2 employee for an employer other than a temporary or placement agency, unless you certify that (i) you have not worked in such capacity continuously for more than 18 months prior to the date of the application and (ii) such employment is not scheduled or expected to last more than 18 months from the date of inception.

Make sure you meet the residency requirements for your desired type of coverage

Group Health Insurance

You must live in the group health insurance coverage area in New York State.

The coverage area includes the following counties:

Albany Bronx Broome Chenango Clinton Columbia Delaware Dutchess Essex Franklin Fulton Green Hamilton Herkimer Kings Montgomery Nassau

New York Orange Otsego Putnam Queens Rensselaer Richmond Rockland Saratoga Schenectady Schoharie Suffolk Sullivan Ulster Warren Washington Westchester

Dental, Life, Disability

You must live in the United States.

Currently, we can offer insurance to members in these industries and occupations:

• Arts, design, and entertainment
• Media and advertising
• Financial services
• Nonprofit
• Technology
• Domestic child care giver *
• Skilled computer user *
• Traditional or alternative health care provider

We’ll have you submit documents showing your hours or earnings as a freelancer:

You must show both that you performed your work and that you were paid for it.

To prove you performed the work, you can submit: timesheets, payroll statements, invoices, employment contracts, letters from clients or employers, or copies of paychecks that show the hours you worked.

To prove you were paid for the work, you can submit: paystubs, payroll statements, copies of paychecks that show the hours you worked, bank statements with the amount highlighted.

Over the age of 65?

If you want health insurance through FIC and are over the age of 65, you will need to show that you are not eligible for Medicare. This is done when you enroll in the plan, not during the eligibility application.