Welcome back. I really appreciate you joining me for Money Girl episode 876. I'm Laura Adams,

an award-winning author, finance spokesperson, money speaker, founder of the MoneyStack, a sub-stack

newsletter, and host of Money Girl with over 43 million downloads.

Today, I am so excited to be joined by two special guests to discuss how to get top-notch

education, support, health insurance, and other benefits when you work for yourself.

Whether you or a loved one earn part-time income from a side hustle,

or you're a full-time founder or freelancer, don't miss this episode. You'll get valuable

tips and resources for cutting costs and up-leveling your self-employed benefits. You'll hear my

conversation with Tom Morrissey, founder and CEO of Healthy Business Group,

HBG.

That's the company behind Solo Health Collective and Innovative Health Plan designed for solo business

owners.

With over 35 years of experience in the health insurance industry, Tom's passion is giving

solopreneurs and small business owners more

control over their health plans and expenses. And I'm also thrilled to be speaking with

Rafael Espinal, executive director of the Freelancers Union, a nonprofit organization that

supports independent workers through advocacy, education, and services.

Rafael has an impressive background and was New York's youngest elected official when he joined the

State Assembly at age 26. He's a former New York City Council member and has been a steadfast

advocate for freelancer rights throughout his career.

As you'll hear in today's interview, Tom and Raphael have partnered to help freelancers

establish a health plan and take control of their health care spending. Both are very

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