How Gig Workers Can Access Assistance Too
Freelancers aren't alone — here's how to get help and support as a gig worker.
The gig economy has transformed how millions of Americans work, but traditional support systems haven't kept pace with this shift. Freelancers, independent contractors, and gig workers often feel excluded from benefits and assistance programs designed for traditional employees. However, numerous resources and programs specifically address the unique challenges faced by independent workers, from healthcare access to financial support during lean periods.
Healthcare remains one of the biggest challenges for gig workers, but options exist beyond expensive individual plans. The Freelancers Union offers health insurance plans specifically designed for independent workers in several states. Many professional associations provide group health insurance options for members. Additionally, Health Savings Accounts (HSAs) paired with high-deductible health plans can provide tax advantages while building a medical expense fund.
Financial assistance programs have expanded to include gig workers, especially since the pandemic highlighted gaps in traditional safety nets. The Pandemic Unemployment Assistance (PUA) program established precedent for including independent contractors in unemployment benefits. Many states now offer disaster relief programs that include gig workers. Additionally, organizations like the Freelancers Relief Fund provide emergency grants for independent workers facing financial hardship.
Tax preparation and financial planning resources specifically target gig workers' unique needs. The IRS offers free tax preparation through the Volunteer Income Tax Assistance (VITA) program, with many locations trained to handle Schedule C filings. Organizations like SCORE provide free mentoring and workshops on business planning, tax strategies, and financial management for independent contractors. Many communities also offer small business development centers with resources for solo entrepreneurs.
Professional development and networking opportunities help gig workers build sustainable careers. Many cities have coworking spaces that offer not just workspace but also networking events, skill-building workshops, and peer support groups. Online platforms like Freelancers Union provide advocacy, resources, and community connections. Industry-specific organizations often offer training programs, certification courses, and job placement assistance tailored to independent workers' needs.