Affordable group health insurance for freelancers, pooled instantly.
Freelancers cannot easily access affordable health benefits and retirement plans reserved for traditional employees due to the lack of a seamless HRTech platform.
GigShield aggregates freelancers into virtual groups to unlock employer-level health insurance rates without needing an employer. Users sign up, get matched to pooled plans from top providers, and manage coverage seamlessly. It handles enrollment, payments, and claims tracking in one dashboard.
Independent freelancers and solo gig workers billing $5K+/month without employer benefits
Instant pooling algorithm creates custom groups based on location, income, and risk profile for the lowest premiums.
supportive
Collect income, location, and health data for plan matching.
AI-driven matching to pooled health plans with quotes.
One-click enrollment into selected group plan.
Track claims, reimbursements, and coverage status.
Auto-debit monthly premiums with Stripe.
Search in-network doctors and facilities.
Generate annual premium deduction forms.
Connect with pooled freelancers for advice.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| income_monthly | int | No |
| location | text | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| provider | text | No |
| premium_monthly | int | No |
| status | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| amount | int | No |
| status | text | No |
| submitted_at | timestamp | No |
Relationships:
/api/plans/matchMatch user to plans
/api/plans/enrollEnroll in plan
/api/claimsSubmit claim
/api/claimsList user claims
/api/user/profileUpdate profile
No enrollment, 1 quote/month
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 200 | 3% | $180 | $2,160 |
| Month 6 | 1,200 | 8% | $2,880 | $34,560 |
Join a pooled group and save 30-50% on premiums today.
Post in r/freelance and Upwork communities offering free Pro trials to $5K+/mo billers; DM 50 targeted Twitter freelancers from #gigworker searches; Partner with one freelance agency for referrals.
Large marketplace
No pooling, higher costs
Instant pooling for better rates
Network effects from growing pools lowering premiums for all
Gig economy boom post-pandemic, freelancers at 40% workforce needing benefits amid rising healthcare costs.
Insurance regulations vary by state
Partner with licensed brokers early
Low awareness of pooling options
Educate via content marketing
Success: 70% express interest
Success: 100 signups
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