Niagara Gazette

Web Extra

January 30, 2013

Don't have health insurance? Start your own insurance company

NEW YORK — Sara Horowitz was born into a proud union family. Her father worked as a labor lawyer, her grandfather as a vice president of the International Ladies' Garment Workers' Union. So it felt like kismet when, on the first day of a new law firm job, Horowitz discovered that she and several other recent hires had been classified as independent contractors. "We weren't given retirement or health insurance benefits. We called ourselves 'the transient workers union,' and I was made president. We joked about it, but for me it was a significant aha! moment. I started realizing there was this whole new way that workers were being treated."

This was the inception of what has since turned into Horowitz's all-encompassing calling. Freelance contractors made up 31 percent of the American workforce in 2005, according to a GAO report, and that ratio is almost surely even higher today. As the freelance trend began to accelerate, in Horowitz's recounting, labor activists at first tried to cajole corporations into hiring all those independent contractors as full-time staff with benefits. But to Horowitz, it was clear this was a losing battle. "It would never make sense from the company's perspective," she says, "and we'd never have enough leverage." Instead, she envisioned a new strategy: She'd find ways to organize and protect freelance workers — in all sorts of fields — in the same way that classic trade unions provide safety nets for corporate employees.

This ongoing quest led to Horowitz's creation of the Freelancers Insurance Company, which now provides health coverage for close to 25,000 New Yorkers and is approaching $100 million in revenues. Along the way, Horowitz has received countless personal accolades. She was awarded a MacArthur Foundation "genius grant" in 1999, and in December was named to the New York Federal Reserve Bank board of directors. What's her secret — how did she transform a goal into a successful battle plan?

Text Only | Photo Reprints
Web Extra
  • NIA iPad pals art 1 120613 Has the iPad lost its swag?

    The company reported this week that sales of its sleek, pricey tablet were down 19 percent from last quarter and 9 percent year-over-year. CEO Tim Cook tried to reassure investors that Apple's new partnership with IBM to sell its devices to IBM's corporate customers will help make iPads ubiquitous in the workplace. "This isn't something that worries us," he said of the iPad sales decline. But the numbers are disappointing no matter how you spin them.

    July 25, 2014 1 Photo

  • Facebook continues moneymaking trend

    Facebook seems to have figured out - for now at least - the holy grail for all media right now: how to make money selling mobile ads.

    July 25, 2014

  • Police Brutality screen shot. Technology plays key part in battling police brutality (VIDEO)

    Allegations of police brutality are nothing new -- as long as there has been law enforcement, citizens have registered claims that some officers cross the line. But in the last few years, the claims of excessive force are being corroborated with new technology from cell phone cameras, police dash-cams and surveillance videos. 

    July 25, 2014 1 Photo

  • Arizona's prolonged lethal injection is fourth in U.S. this year

    Arizona's execution of double-murderer Joseph Wood marked the fourth time this year that a state failed to dispatch a convict efficiently, according to the Constitution Project, a bipartisan legal group.3

    July 25, 2014

  • Vader Darth Vader is polling higher than all potential 2016 presidential candidates

    On the other hand, with a net favorability of -8, Jar Jar is considerably more popular than the U.S. Congress, which currently enjoys a net favorability rating of -65.

    July 23, 2014 1 Photo

  • Screen Shot 2014-07-22 at 2.00.42 PM.png VIDEO: Train collides with semi truck carrying lighter fluid

    A truck driver from Washington is fortunate to be alive after driving his semi onto a set of tracks near Somerset, Ky., and being struck by a locomotive, which ignited his load of charcoal lighter fluid.

    July 22, 2014 1 Photo

  • An oncologist uses scorpion venom to locate cancer cells

    Olson, a pediatric oncologist and research scientist in Seattle, has developed a compound he calls Tumor Paint. When injected into a cancer patient, it seems to light up all the malignant cells so surgeons can easily locate and excise them.

    July 22, 2014

  • mama.jpg What we get wrong about millennials living at home

    If the media is to be believed, America is facing a major crisis. "Kids," some age 25, 26, or even 30 years old, are living out of their childhood bedrooms and basements at alarmingly high numbers. The hand-wringing overlooks one problem: It's all overblown.

    July 22, 2014 1 Photo

  • Lindley, Tom.jpg Expectations too high for a rehabbing Woods

    Tiger Woods finished near bottom last weekend at Royal Liverpool, drawing out his drought of major tournament wins. Despite the disappointing showing, Woods' return to form remains a matter of when, not if.

    July 22, 2014 1 Photo

  • 110720 Walmart.jpg Wal-Mart to cut prices more aggressively in back-to-school push

    Wal-Mart Stores plans to cut prices more aggressively during this year's back-to-school season and will add inventory to its online store as the chain battles retailers for student spending.

    July 22, 2014 1 Photo

Featured Ads
House Ads
AP Video
Raw: Air Algerie Flight 5017 Wreckage Virginia Governor Tours Tornado Aftermath Judge Faces Heat Over Offer to Help Migrant Kids Kerry: No Deal Yet on 7-Day Gaza Truce Kangaroo Goes Missing in Oklahoma More M17 Bodies Return, Sanctions on Russia Grow Gaza Residents Mourn Dead Amid Airstrikes Raw: Deadly Tornado Hits Virginia Campground Ohio State Marching Band Chief Fired After Probe Raw: Big Rig Stuck in Illinois Swamp Cumberbatch Brings 'Penguins' to Comic-Con Raw: Air Algerie Crash Site in Mali Power to Be Restored After Wash. Wildfire Crashed Air Algerie Plane Found in Mali Israel Mulls Ceasefire Amid Gaza Offensive In Case of Fire, Oxygen Masks for Pets Mobile App Gives Tour of Battle of Atlanta Sites
Opinion
House Ads
Night & Day
Twitter News
Follow us on twitter
Hyperlocal Search
Premier Guide
Find a business

Walking Fingers
Maps, Menus, Store hours, Coupons, and more...
Premier Guide
Front page