Getting insurance is a problem for a lot of freelance writers. For my foreign friends, here's the picture: if you don't have insurance, you're screwed. A lot of doctors won't see you at all. You can't get into hospitals unless it's an emergency and the charge to see a regular doctor is usually ridiculous and unreasonable. I have been self employed for eight years now and have usually maintained some type of insurance in case of emergencies. This year, though, has been difficult we had a lot of problems with our COBRA, resulting in a large one-time payment for insurance that we weren't given, and I had to decline.
I was able to get insurance for everyone else in the family ,but not myself. I have no insurance now. I have a a health problem that all of the insurance companies that I have contacted have been unwilling to deal with. So, a big middle finger to them because I am far more awesome than they give me credit for. I actually told one underwriter, "Really? I go to the doctor twice year and you don't want to take my money every month? You're a sucker."
One bright spot in all of this mess may be the Demand Studios insurance that they have recently started offering to their regular writers. I have been a writer for them for about a year and a half and am hoping to get one of the insurance policies that they offer. I stopped writing for them for a few months, though, so I am not eligible right now. To be eligible I have to write like crazy for them this month to try to reach eligibility next month.
I am holding onto hope that this is a good opportunity to be insured. If it turns out to be a good deal, Demand is a fantastic place that should be praised and have a constellation named after it. But until I have seen the actual policies, I can't be sure that this is a good thing. EBay did the same thing years ago for its PowerSellers. I sold on eBay full time for about two years and was eligible for their insurance. It was crap. I actually got a better rate on my own than they could give. But, Demand is saying that their insurance is guaranteed, and with my health issues I do need a policy that can be guaranteed. Is Demand, the company that has hired so many disrespectful, nasty editors, my savior in all this mess? It remains to be seen.