On: Ask HN: Freelancers in the US: What do you do for ...

[asciimo]

The Freelancers Union now offers health insurance (https://www.freelancersunion.org/benefits/). NY was their pilot state.

[colinbartlett → asciimo]

I don't really understand why Freelancers Union is useful anymore. I thought the point of those "unions" were work-arounds to the old system where group rates were drastically cheaper.

But with the Affordable Care Act, individual plans are no longer medically underwritten, so how are those groups helpful?

[kareemm → asciimo]

I have a very good friend who has had terrible experiences with getting reimbursed for legit claims via FU. He pays for the most expensive plan, too.

Based on his experiences I'd rather go directly to an insurer like Oscar.