The Freelancers Union is pretty competitive in my market (NYC). Not that it's good coverage, but they do cover a physical and vision test every two years (I thi

The Freelancers Union is pretty competitive in my market (NYC). Not that it's good coverage, but they do cover a physical and vision test every two years (I think). Of course, it's a hell of a lot more expensive than it should be, but I was unable to find anything better for a self-employed single person.