Health Insurance Advice and Access

Health Insurance Advice and Access

For members who need to secure their own health insurance, ASJA offers access to health insurance options through a partnership with Gallagher (formerly known as LIG Solutions).

As freelancers, many ASJA members are responsible for securing their own health insurance. This can be an overwhelming process that involves sorting out various options, comparing costs, and navigating the Healthcare.gov marketplace.

Through our partnership with Gallagher, ASJA members can access advice and analysis of health coverage options for you, your family, and your business/employeesThis consultation is a free service. The Gallagher team is licensed in all 50 states and works with leading national, regional, and local insurance carriers.

Personalized Review

A trained Gallagher agent will work one-on-one with you to review health coverage options based on your state and your situation, identifying affordable coverage from major insurance carriers. These plans meet all requirements outlined by the Affordable Care Act (ACA). The agent will determine if you qualify for government subsidies and help you apply to lower your premiums.

If you own a small business, Gallagher can help identify group insurance coverage options for your business and your employees.

Prescription Drug Programs

ASJA members can also take advantage of Gallagher’s national pharmacy program that includes review of current medication pricing, coaching from a licensed pharmacist, and lower pricing for acute, chronic, and over-the-counter medications.

You can enroll in this program at any time and you do not have to be enrolled in a Gallagher insurance plan to participate in this pharmacy program.

Gallagher Rx benefits include:

  • Review set pricing on all medications
  • Acute medications (immediate need) $5/21 day supply
  • Chronic medications (maintenance) $15/90 day supply
  • Over-the-counter medications (ex: Allegra, Advil, Tylenol)
  • Pick up at any pharmacy at a set price for acute medications
  • Home delivery service for chronic and over-the-counter medications
  • All medications are American-sourced and shipped securely with tracking
  • Licensed Pharmacist coaching to ensure you’re getting the most cost-effective options

Exclusive SaveOnDiabetes program, which includes:

  • No cost meters and a starter kit with test strips/lancets
  • Low-cost test strips and lancets
  • FREE oral diabetes medications
  • Insulin for $19.88 per vial

Coverage Options

ASJA members are professional, proven freelance nonfiction writers in a variety of fields, genres, and settings.

Gallagher can also help with indemnity medical plans, short-term health insurance, and supplemental options. Gallagher offers individual and family health plans that are tailored to your unique health and financial needs. Coverage options include (can vary by state):

  • Medicare/Medicare Advantage*
  • Medicare Supplements*
  • Major medical
  • Short-term health plans
  • Vision
  • Dental
  • Critical care coverage
  • Disability
  • Life
  • Rx pharmacy solution (not an insurance product)
  • Additional supplemental health and wellness options

Click here to learn more about this program, or call the Gallagher team at 877-963-7034.

*Disclaimers: Medicare is available to some individuals under the age of 65 in limited circumstances. Gallagher is not affiliated with the U.S. government or federal Medicare program. Gallagher complies with applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex.

Resources for Members

Individual & Family (IFP) Coverage Flyer

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ASJA Member Health Insurance Coverage Overview

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