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Freelancing with Benefits



According to a recent report by Upwork and the Freelancers Union, called “Freelancing in America 2016”, 55 million people identified themselves as freelancers in 2016. This is up from 53 million people in 2014. “To put it in context, the population of freelancers is greater than that of Ohio, Florida, and Pennsylvania combined,” said a Huffington Post article. And that’s not even counting another 13.5 million people who do part-time freelance work, in addition to their full-time work.


Why Freelance?

According to Forbes, the main motivation for full-time freelancers is to be their own boss. In fact, “when asked how much an employer would have to pay them to take a traditional job, half of the freelancers said no amount of money would lure them.”

For one thing, there’s the flexibility that comes with freelancing. Full-time freelancers are working 36 hours per week, and 52% of full-time freelancers say they have the right amount of work (23% have more work than desired and 25% have less work than desired). You can work as much as you want, when you want.

There is also the chance to make more money with freelancing as 54% say they make more money freelancing than they did working a traditional job.  

Freelancing is a lifestyle workers want to live. The majority of independent workers started freelancing by choice and 79% say that freelancing is better than working in a traditional job, according to the referenced Huffington Post report.


But there’s a drawback …

While freelancers may have greater flexibility and greater earning potential, they also lack the benefits given to full-time workers, including affordable health insurance. The research found that 20% of full-time freelancers still don’t have access to the healthcare they need.

Even if you do have access to purchase insurance coverage, the average premiums vary widely making the concept of affordability subjective. Let’s take a 40 year old non smoker for example. Before accounting for any possible tax credits, 2016 exchange based silver plan premiums swung between $186 per month to over $700 depending on where the enrollee lived. In 2017, the second-lowest silver premium for a 40-year-old non-smoker will range from $229 in Louisville, KY and Cleveland, OH to $904 in Anchorage, AK

Affordable care is important. Health care matters to freelancers so much so that 68% of voting freelancers would be more likely to support a candidate if they addressed the issues facing freelancers, such as affordable coverage.


Freelancing in America 2016 Infographic(Upwork,


How can freelancers make the leap to higher income potential and more freedom but still maintain the necessary benefits of a full time corporate gig?


That brings us to Millenefits …

We started Millenefits with the sole purpose of providing benefits to everyone who works just a few hours each month. We want you to keep working for yourself, doing what you love. And we don’t want you worrying about healthcare benefits.

Please share Millenefits with any freelancer or self-employed person you know. Take time to browse our site, learn more, and be a part of the #WorkForBenefits movement.

Your fulfilling freelancing career … with benefits … awaits.


Shaun Young

Millenefits, Founder & CEO