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Health Insurance FAQs

Open Enrollment is the one time of year when you can purchase or adjust your health insurance plan for the coming year. This year's window is November 1, 2022-January 15, 2023. If you miss it, you'll have to wait until next year.

The only exceptions are if you experience a Qualifying Life Event, such as:

  • Losing existing healthcare from a job or COBRA
  • Aging out of your parents' health plan
  • Getting married or divorced
  • Having a child
  • Moving to a different state or region

For more information on how Open Enrollment works, watch our short video. To find your perfect plan, just enter your ZIP code in the box above.

Fine Print - Lawyers Made Us Do It!

Freelancers Union, Inc. (FU) is not a licensed insurance agent. Freelancers Insurance Agency (FIA), a wholly owned subsidiary of FU, is a licensed health insurance producer in New York, California, New Jersey, Pennsylvania, Texas, Georgia, Florida, North Carolina, and Colorado and is the agent of record for dental sales in these states only.

FIA is a licensed producer in the lines of Property and Casualty insurance in New York, California, New Jersey, Pennsylvania, Texas, Georgia, Florida, North Carolina, and Colorado only. FIA contracts with Hiscox Inc., a nationally licensed insurance producer. Other than New York, Pennsylvania, New Jersey, California, Texas, Georgia, Florida, North Carolina, and Colorado, Hiscox is acting as the insurance agent of record.

All New York individual health insurance plans on this site provide in-network only coverage, except for urgent or emergency care depending on the carrier's policies. Only plan highlights are shown. Coverage is subject to all terms, conditions, limitations and exclusions set forth in the contract of insurance.

You should consider your needs when selecting products. FU does not make specific product recommendations for individuals. Each insurer has sole responsibility for its products. FU and FIA are not insurers.

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