The Clinton Herald, Clinton, Iowa

Top News

January 29, 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
Top News
  • Take a 'National Night Out'

    For one night every year, communities across the country celebrate National Night Out, a nationwide initiative to fight crime and promote safe communities.

    July 31, 2014

  • David Evers Evers' duck decoy hits auction block

    From just a block out of a basswood tree, David Evers creates award-winning pieces of artwork.

    July 31, 2014 1 Photo

  • The virtues of lying

    Two computational scientists set out recently to simulate the effects of lying in a virtual human population. Their results, published in the Proceedings of the Royal Society B, show that lying is essential for the growth of a cohesive social network.

    July 31, 2014

  • Screen Shot 2014-07-31 at 2.12.55 PM.png VIDEO: Five-year-old doesn't want her brother to grow up

    Sadie, an adorable 5-year-old from Phoenix, wants her brother to stay young forever, so much so that her emotional reaction to the thought of him getting older has drawn more than 10 million views on YouTube.

    July 31, 2014 1 Photo

  • Well affected by mercury spill is working again

    Mercury remains in one of Clinton’s Archer Daniels Midland wells, stemming from a November 2013 spill. But according to an independent study, threat levels are below Iowa Department of Natural Resources standards.
    The affected Well No. 4 returned to operation earlier this month.

    July 31, 2014

  • Blake Holovach Holovach converting back to a starting pitcher

    When Blake Holovach takes the mound tonight along the Mississippi River in Davenport, it’ll be in the first inning, which he wasn’t accustomed to in the past.

    July 31, 2014 1 Photo

  • Relay for Life: Stepping toward awareness

    Statistics reveal that cancer continues to remain the second most common cause of death in the United States, claiming one out of four deaths every day.

    July 31, 2014

  • Holly Youngquist Friends of the Library book sale is underway

    Friends of the Library Book Sale is open now. The sale is open to all until 8 p.m. today and on Friday, Aug. 1, from 9 a.m. to 8 p.m. Finally, Saturday, Aug. 2, is box day. From 9 a.m. to  3 p.m., books will sell at $3 per box.

    July 31, 2014 1 Photo

  • LETTER TO THE EDITOR: Cremation service helped pet owner in her time of need

    I wanted to share some positive news about a business located in Clinton that I’m guessing most residents aren’t aware even exists. It’s Northridge Pet Cremation on Main Avenue and for me they were recently a godsend.

    July 31, 2014

  • Darryl Hogue Fulton superintendent settles in to new position

    One month into the permanent River Bend School District superintendent job, Darryl Hogue has experienced the long hours, stress and the learning curve that comes with any new position.

    July 31, 2014 1 Photo

AP Video