Some details may change as part of a billing and customer service upgrade. For more information, visit our transition page.

How it works

Getting group health insurance is so much better than going it alone—that's why we built an insurance group for freelancers. After becoming a member, you can join our insurance group and enroll in the plans you want.

Questions? Contact us.

Depending on where you live, we offer different plans.

Group health insurance from FIC, a social-purpose company created by Freelancers Union to serve our members, is available in 34 counties in New York State. To view a list of counties in the FIC coverage area, please check the residency requirements.

Group dental, life, and disability insurance from Guardian is available nationwide.

We offer group plans, so first, you've got to join the group!
  1. Become a member of Freelancers Union (easy and free).
  2. Read the insurance group's eligibility requirements.
  3. Start an application online (see Apply!).
  4. Finish your application by sending supporting documents.

Once you're approved, we'll email you a special link to enroll. You'll:
  • Pick insurance plans we offer in your area.
  • Add dependents.
  • Choose a starting date for your insurance coverage.

Once you enroll, you'll see your first invoice online for:
  • Your first two months' premium
  • $50 Application Fee
  • $75 Annual Access Fee

Make your payment online or by check by the date your coverage begins. Read more about making your first payment here.

You'll receive your insurance cards and other materials about two weeks after you enroll and make your payment.

Our relationship doesn't end when you enroll. This website and Member Services staff are here to help you manage your insurance.

You can:

We will:

  • Continually work with our members to improve our offerings and keep them aligned with our community's needs.
  • Offer you related discounts and programs to help you meet your health care needs.
  • Advocate for freelancers' interests, in health care and beyond.

When to apply:
  • Apply at any time
  • To begin coverage on the 1st of the month, we must receive your complete eligibility application (including all supporting documents) by the 10th of the preceding month.
  • Processing your application takes 7 business days.
  • We will contact you if corrections or additional documents are necessary.
  • Incorrect applications often mean members miss the monthly deadline, so start as early as you can!

When your insurance will start:

  • Once approved, you'll have 30 days to enroll in the plans you want.
  • You can choose to start your insurance on the 1st of either of the next two months.
  • Enroll by the 22nd of the month if you want your coverage to start the next month.
  • If you do not enroll within 30 days of being approved, you will have to re-apply.

Heads Up!

  • Payment is due by the date your coverage beings.
  • Take note of the date you anticipate starting your insurance coverage and calculate the two months' premium, plus fees, that will be due then for the plans you select.
  • Once your coverage starts, the first two months' premiums and the fees are non-refundable.