PPO health insurance and a full suite of employer-style benefits for the self-employed

Signing up with a Professional Employer Organization brings you a suite of employer-style benefits you can’t get on your own.

Whether you work on your own or manage a small number of employees, independent contractors with a steady monthly income can sign up for premium health coverage, flexible spending accounts, 401(k) plans, and disability insurance, among other top-tier benefits. The PEO acts as your personal HR department, taking care of all the paperwork so you can spend more time doing the work you love.

You can enroll in this program throughout the year.

Your freelance business must be able to support a monthly payroll of about $2,400/month. The majority of this will pay for benefits, taxes, and fees, and some will come back to you as personal income. Fill out the form below to speak with one of our partner’s experts, who will design the right package for you.

How It Works

  • Hire our partner Central Staff Services, a Professional Employer Organization, as your outsourced HR department and work with them to curate the benefits package that fits your needs
  • As a member of the PEO, you have access to a suite of benefits, including health insurance, workers comp, and disability insurance
  • Bear in mind that PPO health insurance may be more expensive than the plans that are available on the individual market

EmblemHealth PPO Plans

  • Emblem Health (HIP Prime network)
  • Larger networks than on the individual market, with premier hospitals
  • Out-of-network coverage

Who Qualifies

  • Independent contractors or small businesses and their employees (if any)
  • Consistent 1099 or business income of at least $2,550/month (in addition to the premium of your chosen medical plan)
  • Located in New York, New Jersey, Pennsylvania, or Florida
  • Must have an EIN for your freelance business (you can get one here for free)

Small Business Benefits

Fill out the form below to learn more about our PEO program. You will be contacted by a representative from one of our Small Business Benefits partners, who can help you build a benefits package that fits your needs.

Why buy insurance with freelancers union

Where you buy insurance
Actually matters

  • When you purchase a plan through Freelancers Union, we get a small commission at no extra cost to you
  • These funds help us continue our work advocating for and supporting freelancers around the country
  • Partnerships also help us ensure that we’re finding the best plans and discounts for our members

Need more help
choosing a plan?


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, Connecticut, 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.