Freelancers Union is the largest and fast-growing organisation representing 57 million independent workers across the country. They give 375,000+ members a powerful voice through policy advocacy, benefits, and community.



Freelancers Union was founded by Sara Horowitz in 1995. In 2008, they launched Freelancers Insurance Company, the first portable benefits model for freelancers, providing independent workers with high-quality, affordable, and portable health insurance.

The union’s National Benefits Platform, launched in 2014, helps freelancers across America access benefits including:

– Retirement,
– Life,
– Liability,
– Dental and
– Disability insurance.

Caitlin Pearce was named Executive Director in 2018.


Since its founding, Freelancers Union has fought for and won protections for freelance workers, including Unincorporated Business Tax reform and successfully advocating for new models for health care. In 2016, Freelancers Union led a victorious campaign to enact first-of-its-kind legislation in New York City giving freelancers unprecedented protections from nonpayment.



Membership of Freelancers Union is free and open to freelancers of all kinds, from graphic designers to contractors to entrepreneurs to moonlighters.

Freelancers Union offers:

– Benefits such as health, dental, term life, disability, and liability insurance;
– Community including SPARK, local freelance hubs in nearly 25 major cities;
– Advocacy for policy change, such as the annual Freelancing in America survey and the Freelance Isn’t Free campaign;
– Resources, including the #1 blog for freelancers.



Sara Horowitz, Freelancers Union’s founder, does not believe in a Canadian-style single-payer health care system. She believes that individuals should be able to buy insurance through groups like the Freelancers Union that would give them bargaining power with insurance companies. They should get assistance through vouchers or refundable tax credit if they cannot afford it.
Under federal labor laws, the Freelancers Union cannot engage in collective bargaining over wages or working conditions because it is not a certified union.



Freelancers Union offers health insurance as a non-profit health insurance brokerage. In 2001, it created an infrastructure platform known as the Portable Benefits Network (PBN) which provides health insurance to independent workers at less than half the price of average HMO premiums in the individual market in New York City, as well as offers life and disability insurance, financial services, resources, and discounts.

As of June 2006, nearly 12,000 independent workers receive benefits through the PBN and several thousand more advocacy members have registered to support its mission. In 2008, it replaced PBN with the Freelancers Insurance Company (a wholly-owned for-profit company) to offer insurance to its members. With the PBN platform in place, the organization expanded, becoming a full-service association for the independent workforce.
In August 2006, Freelancers Union launched a web portal with new services available to freelancers that includes job postings, message boards, and member profiles.
In 2014, Horowitz announced a rebranding of the PBN at the Clinton Global Initiative; PBN is now called The National Benefits Platform.

Source: en.wikipedia.org