I am a writer. What’s the best way for me to get health insurance?
Here is a list of resources to help you decide on a healthcare option as a writer.
Affordable Care Act
+1 800 318 2596
An obvious place to start is the Affordable Care Act (ACA). One of the aims of the act is to make affordable health insurance available to more people. The law provides consumers with subsidies (“premium tax credits”) that lower costs for households with incomes between 100% and 400% of the federal poverty level (FPL). Note: If your income is above 400% FPL, you may still qualify for the premium tax credit.
Recognizing that many writers have difficulty identifying and securing affordable health insurance and that freelance writers rarely qualify for group health insurance and are left on their own to navigate the insurance marketplace under the ACA, the Authors Guild has worked to find a solution for its members. By forging an alliance with other writing-related groups under the Book Industry Health Insurance Partnership (BIHIP) umbrella, they are able to offer a joint remedy through LIG Solutions. Under the plan, LIG Solutions provides concierge services to identify and obtain the best ACA healthcare solution for you and your family, and will also provide any dental, vision, critical care, or other supplemental insurances that you may need.
+1 877 KIDS NOW (+1 877 543 7669)
Children age 18 or under may qualify for free or low-cost government health coverage. The plan pays all or most of the cost of doctor visits, medical equipment, dental and eye care, hospitalizations, prescriptions, and other medical expenses. Millions of children and teens qualify for free or low-cost health and dental coverage through Medicaid & the Children’s Health Insurance Program (CHIP).
National Association for the Self-Employed (NASE)
The NASE is a leading non-profit association providing educational resources, benefits, and a seat at the table in Washington, D.C. They offer a number of health resources for members, including critical illness insurance, health insurance access, a health savings account, an eye-care discount plan, access to GoodRx which enables you to save up to 80% on prescriptions, and life insurance. Membership to NASE starts at $120/year or $11.95/month.
The NASE Silver Membership level ($240/year or $21.95/month) gives you MetLife Accident Insurance to help offset costs that may not be covered under existing medical plans. The accident insurance provides you with a lump-sum payment after an accident to use as you see fit. It can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, childcare, and more. Accident insurance through the NASE may include benefits for Injuries, Medical service, treatments, Hospitalization, lodging, and its guaranteed acceptance. Silver Membership also includes MetLife – $10,000 Term Life, Assist America, Roadside Reimbursement, Legal Club Business Plan, and more.
NASE Gold Membership gives ($45/month) you MetLife $20,000 Term Life Insurance, MetLife $5,000 of Critical Illness Insurance in each of three categories, Assist America Global Emergency Service, Roadside Reimbursement Services, Legal Club Business Plan, My Med Lab online and more.
National Writers Association
Dental, vision, and chiropractic services are available to members through AmeriPLAN and Direct Dental Plans of America, Inc. Medical Insurance is available for Colorado residents through Connect Health Exchange Colorado.
National Writers Union
NWU offers its members help with health insurance in various ways. It works closely with the Freelancers Union, which helps members get the best possible deal on the health care exchanges created under the Affordable Care Act. Two dental plan options are available. Vision is automatically included in your plan through VSP. Benefits available every calendar year for a vision exam, glasses, and frames. Discounts available for laser vision correction and additional glasses and sunglasses. NWU membership fees are determined by your annual writing income and start at $12.50/month for writers making less than US$5,000/year.
Writers’ Guild of America
+1 323 951 4000
Health insurance is available for members. The Writers’ Guild-Industry Health Fund provides medical, hospital, dental, prescription, vision, wellness, and life insurance benefits to its participants and their eligible Dependents. Participants in the Fund are generally writers in the Motion Picture and Television Industry for whom contributions have been made to this Fund by their Employers who are parties to the collective bargaining agreement with the Writers Guild of America, East, and West, Inc. The Fund is jointly administered by an equal number of Directors from the Employers and the Guilds. To become a member of the Writer’s Guild, applicants must meet the eligibility requirements found on the website.
Prescription Assistance Programs
A prescription assistance program (PAP) is a program established by a drug company to offer low-cost or even free drugs to uninsured patients who may not otherwise be able to afford their medications.
According to NeedlyMeds, statistics show there are more than 375 PAPs in operation in the U.S. In the past decade, PAPs have helped more than 36 million people obtain their meds. Every year over $13 billion worth of medicines is provided at no cost to people who can’t afford to buy their medications.
+1 800 503 6897
NeedlyMeds, a registered 501(c)(3) national nonprofit that offers an online information resource of programs that provide assistance to people who are unable to afford their medications and health care costs. All the information is free, easy to access, and updated regularly. No registration is required. One of the features on the site is a list of generic and brand-name drugs that are included as part of patient assistance programs.
A comprehensive directory of Patient Assistance Programs that has been running since 1999. Find information about free and low-cost medicine programs and other ways to manage your medication costs.
+1 877 386 0206
Simplefill is a full-service prescription assistance company that researches, qualifies, and maintains patients’ enrollment in all sources of assistance available to them. We help with over 1500 medications that are used to treat Diabetes, Cancer, and more.