Healthcare Coverage for the Gig Economy

It’s believed that there are as many as 75 million workers that currently occupy the gig economy in the United States. That’s nearly one-third of American workers. But there could be even more than that. As of right now, the government doesn’t know how many residents make a living as a freelance worker going from assignment to assignment.

Each day, new markets become available for people to utilize and create independent revenue streams for themselves, entering an evolving market that has long been known as the “gig economy.” Companies like Etsy, eBay, Uber, Lyft, Fiverr, and more pave the way for an emerging gig economy that has yet to be revealed.

Though this lifestyle offers flexibility and spontaneity that is absent in regular full-time positions, there are vital components that are missing from gig economy positions that would otherwise be provided with long-term employment — one of those being stable healthcare coverage.

And although there are health insurance options for freelance workers while working with agencies, the challenges arise when projects finish, and they must now choose to continue their coverage through the agency or go without insurance until their next assignment if either option is even available at that point.

So what’s being done about the absence of consistent care in the freelance market? Well, as of right now, not a whole lot. Though some options present themselves in the limited benefit space, there isn’t an abundance of affordable solutions out there. That’s where Hooray Health steps in.

Hooray Health believes the answer to this obstacle is affordable coverage for everyday healthcare needs that can support gig workers through quiet months while supplementing large coverage options provided by employers and agencies. Their plans create opportunities for gig economy workers to consistently possess coverage with plans that start as low as $99/month for a member.

Hooray Health members have access to more than 3,000 retail clinics and urgent care centers in 46 states. Their network includes industry leaders like CVS, Concentra, and MedExpress, among others, where members can have their acute injuries and illnesses treated for a $25 copay with no annual deductibles to meet or surprise bills.

Also, gig economy workers would enjoy 24-hour access to member support, medical concierge, and a reliable telemedicine service where they can speak to a U.S. board-certified physician for a $0 consult fee. And when a prescription is needed, members get the best prices on generic and name-brand medications at their local pharmacy.

And as of recently, Hooray Health introduced a new product call WellCall 360. Where for $9.95/month, members have unlimited access to Hooray Health’s telemedicine service and prescription discount program with no annual deductibles, consulting fees, or surprise bills. Members have their basic illnesses treated over the phone by board-certified physicians for about the same as a month of a television streaming service.

The goal of their work is to create an environment in the healthcare industry where people are able to afford, understand, and utilize their coverage unlike before. Where people know their coverage is reliable and consistently available. Allowing the gig economy, freelance, and other workers to have continued coverage that isn’t dependent on the work status. And through these efforts, Hooray Health hopes to encourage others to help create the foundation for new practices in the healthcare industry that focus on cost and access.

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A Note from CEO Shane Foss

“Hooray Health’s ancillary benefits are designed to enhance employee care with the coverage that matters most. Instead of breaking the bank on expensive and unnecessary options, Hooray puts employee needs first at the lowest cost possible. It’s the best way we’ve found to support average Americans afford quality care.
If you’re curious about how Hooray Health can support your team, click the link below and you can set up a call with Christopher White, our Director of Strategic Consulting, for a brief introductory call.”