I'm a member of Freelancer's Union. I don't interact with the union much, but I do buy life and term disability insurance from them. By the time I joined their

I'm a member of Freelancer's Union. I don't interact with the union much, but I do buy life and term disability insurance from them. By the time I joined their health insurance offering changed from custom plans to just listing on and off exchange individual plans. Not that there's anything wrong with that, it's just nothing more than you can get on healthcare.gov or your state's exchange, or shopping the off exchange market yourself.