What’s a Commercial Freelancer to Do about Health Insurance?

After getting yet another email a few weeks back from a reader, suggesting a post on health insurance for freelancers, figured it was time. I know this is a hot button issue for any commercial freelancer, often looming as one of the key issues giving salaried employees/aspiring commercial writers pause when considering the leap to self-employment.

If you’re single and in good health (like I am on both counts), health insurance really shouldn’t hold you back from the commercial freelancing life – psychologically or logistically. As I see it, there are far bigger boogeymen (usually imaginary if you’ve planned well) facing free agents like us. Will I go broke? Will I lose my house? Will I be reduced to standing on a corner with a “Will Write Copy for Food” sign? Nonetheless, it’s still one more thing to consider.

Since 1997, I’ve used Kaiser Permanente. I rarely step foot in the place (but you’re paying for peace of mind), but over the years, have been pretty impressed with their offering, services and thoroughness.

I’m not crazy about the fact that, like clockwork, my premiums go up every year by roughly 15+ percent, but all in all, I still pay a not-unreasonable $325 a month. Co-pays for doctor visits are $30, and a surprising number of other services are covered or subject to co-pays (as opposed to coming out of pocket to satisfy your deductible).

Women will typically pay more for health insurance than men of the same age, but depending on the plan, and the deductible and co-insurance level chosen, a single person of either gender can generally find a manageable plan out there.

And with some of the new clauses of the healthcare bill, you’ve got more protections than may have been the case in the past. And do NOT try to drag me into a debate on THAT issue; ain’t gonna happen. I will ignore you and delete your comments. No hablo ingles…;)

For those pondering going without – a temptation for singles in good health and feeling bullet-proof, I wouldn’t even consider it. Not worth it. One accident or illness and you’re in deep doo-doo.

And yes, if you have a family, it’s going to cost a good bit more. Not every freelance commercial copywriter has a gainfully employed and benefits-laden spouse to cover that base. But a quick look at Kaiser’s plans turned up plans in the range of $600-800+/month for a family of four, depending on options chosen (don’t take these figures to the bank; that’s Georgia. Your mileage may vary, etc, etc.).

Not great news, but not necessarily a deal-killer, either. Remember, stay in a job you hate, just for the bennies, and your health will likely suffer. Sort of defeats the purpose.

For the uninitiated, here’s a basic overview of an HMO. As a member of Kaiser, getting insurance on my own, I’m put in with a certain group of subscribers. I have no choice in the matter – that’s the nature of the HMO model – and I don’t know who they are (i.e., we don’t catch up for coffee…).

The nice thing about the HMO group model is that individual consumption of services doesn’t directly affect one’s rates. That’s good news and bad news. Good news: if you use a lot of services in a given year, you won’t be singled out for a skyrocketing rate increase. Bad news: even if you don’t use it at all, your rates will still go up every year.

A few resources:

For more information on health insurance (as well as life and disability insurance), click here.

To find a health insurance agent in your area, click here.

For insurance plans for creative folk, click here.

Assuming you don’t have a spouse with benefits, what do you do for health insurance?

If you have a family and had to get insurance on your own, how did you go about finding the best deal?

Any good health insurance resources you’ve come across for the self-employed?

Any strategies you’ve employed to get the most from your health care dollars?

This Writer’s Landing a Ton of Work Doing What So Many Companies Need…

Caught up with a commercial writing chum of mine on the West Coast recently (we’ll call him Joe). He told me about all the work he’s landed with his latest client. So many good lessons for commercial writers in his story, I just had to share it.

Joe landed the client through a friend. Do your friends know what you do and your specialties within your profession? If not, they should…

Anyway, a marketing director with a one school of a larger university system (yes, I’m obscuring some identifying details) mentioned to a mutual friend that she needed some proofreading and editing done, and Joe’s friend suggested him. Joe and the client spoke, hit it off on the phone, quickly realizing that he lived in the client’s hometown. The proofing/editing gig ending up falling through, but the good rapport they’d developed had the client call Joe back when some new work came up.

It’s important to note that her hiring Joe was arbitrary and based on little more than he was a writer she’d crossed paths with and with whom she’d hit it off (Remember: clients don’t want to spend a lot of time hunting for a writer). But, much to the client’s delight, Joe’s background – which they hadn’t previously discussed in depth – was a perfect match for the new gig: helping with their new content marketing strategy, to which they’d committed a healthy budget. CM is becoming a popular approach for companies trying to position themselves as “thought leaders” in a particular industry.

Here’s how it works… It all comes down to searchability: helping people find you via Internet searches. You start by determining what kinds of information people are looking for via Google searches, in the relevant subject areas (in this case, information related to the school’s mission). Then, by crafting and posting high-quality content that satisfies those searches, the school draws a steady stream of traffic to its virtual doorstep, and in the end, helps support the school’s goal of increasing enrollment.

Joe’s content-generating efforts are going well enough that the university’s now pondering duplicating the strategy in several other discipline-specific schools in their system. And Joe’s in the wonderful position of recommending friends who are subject-matter experts in those arenas. Given the trust the school has in him (coupled with the desire, as discussed, to quickly identify resources) his fellow writers are basically shoo-ins.

Do fellow commercial freelancers know your strong suits, especially when they differ from theirs?

And to get your wheels turning a bit, what’s cool about a content marketing strategy is the broad array of businesses for which the approach would make sense. In addition to educational institutions of all stripes, how about medical/health practices of every kind (GP’s, veterinarians, chiropractors, alternative health practitioners, massage therapists, acupuncturists, nutritionists, etc)? How about law firms, financial advisors and accounting firms? Which just scratches the surface…

Interior design firms, flooring companies, landscape architects, plant nurseries, building contractors – heck, we could be here all day. Every single one could boost their search-engine rankings and marketplace stature above their competition, by creating solid, relevant content related to what they do, and for which they’ve determined people are searching, and which will bring those people to their door.

You can probably think of a handful of companies in your area that are doing this already? Who else could be a candidate?

Any current or ex-journos out there? Content development could be a wonderful avenue by which to transition to commercial copywriting (if that’s your goal), or at least help craft a healthy mix of editorial and commercial work. It’s not straight editorial; it will usually have a soft marketing slant, but truly soft.

Oh, Joe told me he also landed, thanks to a basic familiarity with social media marketing (Facebook, Twitter), a $1200+/month retainer to execute those components for the school. He’s the first to say he doesn’t consider himself a social media pro, but given how few writers out there today can claim to be, his skills are more than adequate.

Finally, in a serendipitous twist of fate, in the midst of all this, a government agency put out a report about the future of the field for which the school trained graduates. One of their recommendations? More education for those considering the field. Could there be a more perfect dovetail with the school’s mission?

Joe came across the report in his research, and suggested he do a four-part summary of its main points, simplifying and encapsulating the highlights, and have the school post it on their web site. The school loved the idea, and he’d just landed another roughly $1500 worth of work. So, he saw an opening for work that the school hadn’t considered but was happy he’d brought up, and more than happy to fund.

It gets better. Related entities and organizations found this solid summary on the school’s site, ended up linking to it, further boosting the SEO love coming the school’s way already. Over time, the school earns a well-deserved reputation as that thought leader, and a gateway to high-value content on a particular subject.

Getting any ideas from reading this?

Have you picked up any content marketing work?

Can you share how it unfolded, and/or general thoughts on the strategy?

Are you seeing more call for content development amongst your clients?

Ever “suggested” your way (as Joe did) to additional paying work, not on a client’s original to-do-list?