Have you thought about health insurance? Health insurance for freelance graphic designers can be difficult to afford, since you do not have an employer to negotiate group rates or cover part of the premium for you. And health insurance is cost-prohibitive, especially for freelancers who have a family to support. Monthly premiums for a family of four can easily rival your mortgage payment. That being said, there are several avenues you can and should explore to acquire health insurance. Here are a few resources that can help you on your search for affordable, quality medical insurance. Graphic Artists Guild – Membership in this union gives you access to health insurance through the United States Federation of Small Businesses. Freelancer's Union - The Freelancer's Union is similar to the Graphic Artists Guild in that it provides access to health insurance plans through partnerships with insurers. National Association for the Self-Employed (http://www.nase.org/Home.aspx) – Another membership association that can help you save money on health care insurance by volume deals with insurance companies. Media Bistro Avant Guild - Membership in Media Bistro's Avant Guild grants you access to discount health insurance plans for freelancers. Chambers of Commerce – Check with your local Chamber of Commerce to see whether membership entitles you to discount health insurance plans. In many cases it does. Other State and local resources – Many states have health insurance subsidized plans based on income. Private insurers/brokers – Well-qualified brokers can help you get the best deal on health care insurance for your situation, and more and more private insurance companies have developed programs that cater to freelancers. Call around and compare the benefits and costs of several programs before you decide. A final note All health insurance plans are not created equal. You need to ask your provider questions to ensure that you're getting the best coverage for your money. Shop around and compare. And if high monthly premiums have you down, at least take comfort in this: in most cases, you can deduct half of your annual premium from your federal taxes. For a freelancer with a family of four and an $800 monthly premium, that amounts to nearly $5,000 annually in tax write-offs.
Graphic Designers: Have You Thought About Health Insurance?
[...] When you are a freelancer, trying to navigate the health care system and get health insurance coverage for you and your family is enough to make you sick. Well step into our office … PsPrint blogger Brian shares some organizations that help freelancers get medical coverage in his blog post, “Graphic Designers: Have You Thought About Health Insurance?” [...]
[...] I worked full time as a music manager at Barnes & Noble. I worked part way through my first year of grad school to six years after getting my MFA. It was a long time before the day job went away – partially because by working for Barnes & Noble I could get health insurance, and when you’re a self-employed artist, getting insurance is one of the most difficult things. [...]
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The PsPrint Blog is a resource for graphic designers, freelancers, small business owners and fans of print marketing. You'll find helpful techniques on printing everything there is to print, including business cards, postcards, brochures, stickers, invitations, greeting cards, door hangers, magnets and more. The PsPrint Blog shares creative ways to improve your design and layout skills, and useful tips for marketing your business in any medium. We also like to have a little fun, sharing design inspiration and spotlighting some our favorite customers' printed pieces in our "Hot Off the Press" series.