The 70 million Americans in the gig economy face unique insurance challenges. Without employer coverage, freelancers must navigate health, liability, and disability insurance on their own.
Essential Coverage for Gig Workers
- Health: ACA marketplace ($400-600/month, subsidies available)
- General liability: $500-1,500/year depending on profession
- Professional liability (E&O): $500-3,000/year
- Disability: $100-300/month (replaces 60% of income)
The biggest gap is disability insurance — if you can't work, you have no income. Yet only 5% of gig workers carry disability coverage. Organizations like the Freelancers Union offer group rates.
