If you’re a freelancer, you know how important it is to have health insurance. While most people are covered by their employer, freelancers are on their own when it comes to choosing and paying for insurance.
If you can afford a healthcare plan that’s under $3,000/year (and two-thirds of freelancers can’t), then the Affordable Care Act is your friend. You’ll be able to choose from among many different affordable plans.
But Obamacare is only an option for those who make less than 400% of the federal poverty level, which is about $48,560 for an individual and $100,400 for a family of four.
So if you exceed those income thresholds or don’t make enough to pay for coverage yourself, what can you do? Fortunately, there’s still hope:
Several freelance jobs qualify individuals for Obamacare subsidies even if they earn more than 400% of the federal poverty level. These jobs include:
| Takeaways |
|---|
| 1. Understand the eligible freelance jobs for Obamacare coverage. |
| 2. Explore the healthcare options available for freelancers. |
| 3. Consider the income requirements and subsidies for coverage. |
| 4. Research the marketplace plans and insurance providers. |
| 5. Ensure compliance with tax requirements for self-employment. |
| 6. Seek professional advice for navigating healthcare options. |
| 7. Stay updated on changes and updates to the healthcare system. |
| 8. Evaluate the cost and benefits of different coverage options. |
| 9. Utilize resources and tools to compare healthcare plans. |
| 10. Plan for healthcare expenses and budget accordingly. |
| 11. Understand the enrollment periods and deadlines for coverage. |
| 12. Prioritize your health and well-being as a freelancer. |
1. Freelance Web Designer
Web design is a job that requires an understanding of HTML, CSS, and other programming languages.
In addition to those technical skills, you need to be able to create site architecture and design. It’s not enough just to know how to code; you also need an artistic eye for color and layout.
You should have some experience before trying to get freelance jobs as a web designer. This can come from working at a company where you were assigned small projects or by taking courses on the subject online or in-person at local colleges.
The requirements vary based on each employer, but most web designers need at least a bachelor’s degree in computer science or graphic design.
Along with several years of experience under their belts before they can land what they would consider full-time work without benefits such as health insurance coverage through Obamacare which freelancers are eligible for if they meet certain criteria (see below).
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2. Graphic Designer
Graphic designers use their creativity to create visual concepts, using typography, photography, illustration, and other visual elements. They may work independently or as part of a team. They can be self-employed or work for an agency.
Graphic designers must be able to read and understand the needs of the audience they are designed for, as well as have a thorough understanding of design theory. They must also have excellent design skills with experience in both print and web design.
Graphic designers often use software like Photoshop or Illustrator to create mockups of predesigned layouts before finalizing them for printing (or for posting online).
This ensures that what is being produced meets the client’s requirements and expectations while also staying within budget constraints set by the client
3. Copywriter
Copywriters are writers who write content for advertisements, brochures, and other marketing materials. They can work freelance or for a company. As a copywriter, you’re responsible for the content of an ad or brochure.
This means that you may be tasked with writing the headline and subheadline as well as coming up with what will appear in the body text of an ad; it’s also your job to ensure that the information is accurate and relevant to your audience.
Copywriting gigs often require some experience in writing copy (or another kind of marketing material), but they don’t require any specific qualifications beyond that.
If this sounds like something you’d like to do professionally, freelancing might be right up your alley: It’s easier than ever these days!
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4. SEO Specialist
SEO specialists help clients improve their website’s search engine ranking. If you’re interested in this job, you’ll need to know how search engines work and how to make sure your site ranks highly.
SEO specialists can help you get more traffic from search engines, increase your website’s conversion rate (tips on that below), and improve its overall performance on the web.
You don’t have to be a tech wizard; in fact, many people who do this kind of work aren’t developers or coders at all!
However, if you want to get into freelancing as an SEO specialist or other types of freelance jobs that require technical skills like programming or graphic design, Codecademy is a great place to start learning those skills.
5. Social Media Specialist
You should be an expert in all things social media. You’ll need to be able to manage multiple accounts, create engaging content, respond to customer feedback, monitor and report on analytics, and even help with advertising.
You don’t necessarily have to know how to code or develop websites (although that helps). But you must know how each platform works: Twitter has a different interface than Facebook or LinkedIn.
It’s good if you can work independently and are good at communicating with clients via email or phone calls.
But it would also be helpful if your skillset included some marketing knowledge as well as tech know-how so you can offer advice on what type of content will resonate best with different audiences.
6. Translator
Translators are not eligible for Obamacare because they are not full-time employees. The ACA requires that an individual have at least one hour of service per week to be eligible for coverage.
Since translators typically work freelance and are contracted on a project-to-project basis, they do not meet this requirement.
Translators are also ineligible for health care subsidies because their income does not fall within the range that qualifies them for assistance.
Even if your clients pay you more than $47,000 annually, which is the cutoff point for most Americans who make too much money to qualify for Medicaid.
But still, earn too little to afford health insurance on their own (and it’s important to note that these amounts may change as premiums go up).
Many freelancers do not receive or keep all of their income they might have taxes withheld or have some expenses deducted from their paychecks.
In other words: you might be making over $47K annually now with your current clientele base and salary structure.
There could still be periods where you don’t get paid enough by one client or another or none at all and therefore would lose out on getting those tax credits down the line!
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7. E-Learning Writer
What Is E-Learning?
E-learning is a form of education that uses technology to deliver content and information. It’s often delivered in the form of an online course, or “e-course.”
E-courses can be used to train employees on new products or help students learn about topics they’re interested in. What do e-learning writers do?
E-learning writers are responsible for creating the text, graphics, and other media used in an e-course. They’ll also write scripts for audio recordings if needed.
The main goal of an e-course writer is to make sure all aspects of their product are clear and easy to understand so that people can complete it without having trouble understanding any part of it. What qualifications do I need?
You should have at least one year of experience working as a writer within a company specializing in e-learning materials such as universities or training centers dealing mainly with corporate clients rather than individuals;
This would include experience working with large publishers who develop their material from scratch (not just editing existing materials).
You should also have excellent English language skills both spoken and written; this includes the ability to edit other people’s work without making too many changes (this doesn’t mean deleting whole paragraphs!).
8. Virtual Assistant
A virtual assistant is a freelancer who provides administrative support, usually to a business. They may handle things like email and calendar management.
Coordinating communication between employees, ordering office supplies and equipment, setting up online accounts and subscriptions (like domain names or hosting), managing marketing campaigns on social media platforms, and writing blog posts.
If you’re looking for an interesting job with flexible hours that don’t require you to work exclusively in your home office.
But still allows you to spend more time with your family than if you were working in an office setting full-time a virtual assistant position might be the perfect fit for you!
Software engineers who work remotely often hire virtual assistants for help with their coding projects or other technical tasks such as building databases or creating user interfaces.
Other companies that hire remote workers include those in the creative fields such as marketing agencies, graphic design studios, or other businesses that require visual presentation skills from their employees (like photographers).
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9. Stock Photographer
As a stock photographer, you’d be responsible for taking photos that are then licensed and sold to other companies. This can be done through an agency or directly with the company that wants to use your images.
Unlike some freelance jobs, working as a stock photographer doesn’t require any specific skills other than the ability to take good pictures.
That said, if you’re going with the direct route, it’s best if you have some experience with this kind of work already otherwise, it might be difficult for clients to trust your abilities.
You’ll also need an eye for composition and lighting effects (and probably a camera). As far as what sort of equipment goes into this line of work:
You’ll need whatever gear is necessary to capture images in whatever scenarios they present themselves from landscapes and wildlife shots up to product shots featuring human models (or even animals).
10. Customer Service Rep
Customer service reps are the first point of contact for customers, so they must be able to handle any questions that come up.
This could include helping customers with problems that arise with their products or services, billing inquiries, returns, and more. Depending on your company’s structure, you may also have to work under strict guidelines when it comes to handling customer issues.
Customer service is often seasonal (think: back-to-school), so if this sounds like something you’d be interested in doing year-round there’s no harm in applying for a position now—you can always stop working once school starts up again!
11. General Transcriptionist
A general transcriptionist is a freelancer who transcribes audio or video recordings for clients.
The work can be as simple as recording and transcribing interviews or lectures, but it also includes some more complex tasks such as transcribing medical records and business meetings.
What to expect: If you’re interested in becoming a general transcriptionist, you’ll want to make sure your computer has enough memory and processing power to handle the software needed for your job.
You’ll also need good listening skills so that you can accurately capture what was said on the recording.
Why it’s cool: If you enjoy working independently, this job allows you great flexibility in scheduling your hours as long as they match up with your client’s needs!
12. Blogger
Blogging is a great way to make money as a freelancer. You can earn from ads, affiliate links, and/or your products. If you want to be successful with blogging, it’s important to find your niche and focus on that area for the long term.
There are many ways that bloggers make money:
- Blogging about something you like (such as fashion) and getting paid by advertisers who want their products featured on your site
- Writing sponsored posts or reviews of products or services that may or may not be related to the topic of your blog but will help drive traffic there
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Conclusion
We hope this post has shed some light on the world of freelance healthcare. As you can see, freelancers have a wide range of options for healthcare coverage. If you’re already a freelancer, then there are plenty of ways for you to get insured and stay healthy!
If you’re thinking about starting or expanding your business, you must take time to research all your options so that when bad luck strikes (as it often does), you’ll be prepared with the right insurance plan and coverage.
There are many different types of insurance policies available, each with its unique features and benefits. It’s up to each individual or company to understand what they need out of an insurance policy before making any decisions on which type they purchase.
In conclusion, make sure that whatever policy works best suits your needs – whether it’s an Obamacare-compliant plan or not!
Further Reading
Here are some additional resources to explore for further information on freelance jobs:
Indeed Career Advice: Best Freelance Jobs: Discover a comprehensive list of the best freelance jobs available, along with insights and tips to excel in each field.
CNBC: 10 Companies Hiring Remote Freelance Workers: Learn about ten reputable companies actively hiring remote freelance workers, offering opportunities to work from anywhere.
AARP: Top Fields for Freelance Workers: Explore the top fields that provide significant freelance opportunities and insights on how to navigate those industries effectively.
FAQs
Here are some frequently asked questions about freelance jobs:
What are the advantages of working as a freelancer?
Working as a freelancer offers several advantages, including flexibility in scheduling, the ability to choose projects, and the potential for higher income.
How do I find freelance job opportunities?
You can find freelance job opportunities through various online platforms, industry-specific websites, networking, and reaching out to potential clients directly.
How can I set my freelance rates?
Setting freelance rates involves considering factors such as your skills, experience, market demand, and the value you provide. Researching industry standards and competitor pricing can help you determine appropriate rates.
What skills are in high demand for freelancers?
Skills in high demand for freelancers vary depending on the industry, but some commonly sought-after skills include web development, graphic design, content writing, digital marketing, and programming.
How can I build a strong portfolio as a freelancer?
To build a strong portfolio, focus on showcasing your best work, include a variety of relevant projects, highlight your expertise, and tailor your portfolio to your target clients or industries. Networking and acquiring testimonials from satisfied clients can also strengthen your portfolio.
Costantine Edward is a digital marketing expert, freelance writer, and entrepreneur who helps people attain financial freedom. I’ve been working in marketing since I was 18 years old and have managed to build a successful career doing what I love.