This text is courtesy of our accomplice Solo Well being Collective. Be taught extra about Solo at: https://freelancersunion.org/solo.
For freelancers, independence isn’t nearly purchasers or schedules. It’s about management — over earnings, time, and long-term stability. Healthcare ought to work the identical method.
For years, the dialog has targeted on one query: Do you might have protection?
However freelancers are asking higher questions now:
- Can I see the docs I belief?
- Can I predict what healthcare will truly price?
- Do I’ve any actual say in how my plan works?
Protection alone isn’t sufficient. Freelancers need management.
Management Over Medical doctors: Selection Nonetheless Issues
Conventional insurance coverage retains narrowing the definition of “alternative.”
Networks shrink. Medical doctors disappear mid-year. Care relationships get disrupted; not by affected person alternative, however by contract modifications. And for freelancers, there’s no HR division to repair it. When entry modifications, they take up the disruption alone.
That’s why fashions like Solo Well being Collective resonate. Solo prioritizes flexibility and entry, providing a nationwide PPO community and the flexibility to work with suppliers outdoors the community when wanted.
For unbiased staff, continuity of care isn’t a luxurious. It’s important.
Management Over Prices: Predictability Beats “Low cost”
Freelancers already handle variable earnings. What they don’t need is s unpredictable healthcare threat layered on prime.
Low premiums usually cover the true drawback: deductibles, coinsurance, shock payments, and opaque pharmacy pricing. That’s why freelancers are shifting their focus from low-cost to clear.
Solo plans are designed round price transparency:
- Clearly outlined deductibles that perform as true out-of-pocket maximums
- Simple profit constructions
- Pharmacy advantages which are simpler to grasp
- Constructed-in advocacy to assist stop stability billing
- Concierge assist for suppliers, claims, and questions
Healthcare prices aren’t simply private bills for freelancers, they’re enterprise dangers. Predictability makes planning potential.
Possession Is the Actual Shift
In conventional insurance coverage, members are passive. Choices are made elsewhere, and modifications arrive with out warning. However freelancers don’t function that method. They consider trade-offs. They handle threat. They take duty for outcomes.
Solo Well being Collective is constructed for that mindset. As a substitute of treating members like coverage numbers, Solo treats them like house owners of their well being plan.
Members expertise:
- Clear communication
- Actual assist and advocacy
- A system designed to reward engagement — not confusion
That possession mindset is already how freelancers run their companies. Healthcare shouldn’t be completely different.
Healthcare Designed for Companies of One
That’s why 1000’s of freelancers and self-employed professionals are selecting Solo’s collective, self-funded mannequin. It is constructed for transparency, accountability, and long-term sustainability.
To get began with Solo Well being Collective, you’ll want an EIN and to finish a quick well being questionnaire. You’ll be able to view pricing, design your plan, and select a begin date that works for you and what you are promoting.
As a result of freelancers don’t simply need protection. They need management.
