One of the unfortunate realities of working from home, or as a freelancer, is that health insurance isn’t provided as part of the deal. So, while you might make a mint from your clients while your health is OK, any turn of events could result in you losing all your savings.

The good news is that there are companies that offer health insurance benefits even to their remote, work-at-home employees. Sometimes, the health insurance is even bundled with other coverages like vision and dental.

Here is a list of companies that offer health insurance and other health coverage:


The well-known Amazon offers both full-time and part-time telecommute work opportunities that are mostly in the customer service field. Average starting pay is $10-12/hour and the training takes place at home. Amazon also offers top-notch benefits such as medical, dental and vision, plus vacation days and a stock purchase option.

The caveat is that only people residing in certain states can apply to work with Amazon.


Asurion has a huge network of 10,000+ work-at-home employees who help the company’s 70 million or so customers process their mobile device insurance claims. Asurion employees are provided with a top-notch benefits package that includes full medical coverage, 401(k), life insurance, and flex spending accounts. Paid training and educational assistance are also available.  The pay at Asurion ranges from $9-$12/hour and overtime work is available.

Capital One

This credit card company regularly hires work-at-home customer service reps who earn up to $13/hour and receive commission bonuses of as much as $1,000. Employees with Capital One are offered full medical coverage (including dental and vision) and 401(k). The benefits increase with the number of hours worked per week, and virtual employees can work up to 30 hours/week. Typically, two years of prior customer service experience are required.

Carnival Cruise Lines

Are you a whiz at vacation planning? Carnival employs full-time vacation planners who work from home; these planners also receive a benefits deal that includes paid time off, stock purchase discounts and tuition reimbursement. In terms of insurance, virtual employees get health/dental/vision, and they can opt for additional plans like life insurance and long-term disability.


This company provides email, web and phone support for its clients via work-at-home employed agents. Those agents receive full medical coverage, paid vacation time and even pension plans. The pay starts at $9/hour, plus commission bonuses, and goes as high as $12/hour (according to Glassdoor).


This customer service company hires people in the USA, Canda and the UK to work in its customer support, sales and technical support areas. Upon hire, employees receive all kinds of bennies including medical/dental/vision coverage, paid time off, and even tuition reimbursement. If employees stay with the company for at least one year, they can also enjoy 401(k) matching up to 3% of earnings.

Enterprise Rent-A-Car

Many of Enterprise’s agents work from home and help this rental car company’s customers reserve cars and file and escalate issues.

Enterprise offers one of the highest wages of this list companies; some of its employed agents report earning as much as $15/hour. Work hours are flexible, and many agents work weekends.

The company also offers a generous benefits package that includes full medical coverage, life insurance, 401(k) plans, paid training and paid time off. Agents also receive unique rental car discounts.


Sitel is another inbound call center that hires employees in almost all U.S. states and globally to answer calls and troubleshoot issues. Full-time employee benefits include medical and dental insurance; these benefits kick in after 90 days of employment. Other benefits include 401(k), paid time off and training, paid holidays and merchant discounts. The hourly pay ranges from $9-$11.


This company offers remote technical support to its network of customer companies via virtual agents. As such,’s virtual agents take inbound sales calls from those customer companies and also help outside callers with their inquiries.

The hourly wage is reported as being up to $18/hour, and there is the opportunity to earn hundreds of dollars in commissions too. This work is full-time at 40 hours/week. provides its employees with full medical coverage and 401(k) plans.


Sykes is offered through Alpine Access and covers a range of customer support options like technical support, billing, and general customer service. These options are delivered through phone, chat, email and even text and social media.

Sykes agents can be full-time, part-time or seasonal, but only full- and part-time agents qualify for company benefits such as full medical coverage, disability insurance, paid time off and 401(k) plans.


This company hires both part-time and seasonal agents to take call from its customers. Only part-time agents receive company benefits including medical coverage, travel insurance and 401(k) plans. These agents also gain access to U-Haul-specific discounts and its credit union.

U-Haul wages are the minimum wage of the agent’s home state plus bonuses, so the final wage is about $12/hour.

The Bottom Line

Healthy insurance can add up and quickly becoming an overwhelming expense for those who are self-employed. There are companies out there that do offer these benefits to their work at home employees. You just need to know where to look.

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Join the Discussion

  • wendy spaur
    wendy spaur

    Just to let you know wells Fargo also does at home customer support jobs. I know 3 people who have done this job for over 5 years.

  • Evita

    Hi Steve,
    That is a great selection! How did you manage to spot all these companies? I was looking for this kind of job for a year with no luck and i really wish i had run into your post earlier. Yes you are not going to become rich but if for any reason you must leave your regular job for a couple of years, then it is a pretty good solution.

  • John

    Having health insurance is a big deal for people that work from home. As a person that does not have another job, I would look into one of these options if needed. The minimum wage of these options is a big draw back. I do spend about $900 a month on my personal health insurance at this time.
    If you had the money and time to wait for a website to produce a full time income, the option (Wealthy Affiliate) you have followed and recommended would be the best choice.

    • Steve Razinski
      Steve RazinskiFounder

      I was a bit surprised to see so many companies offer these benefits. Health insurance is a luxury provided by some companies and telecommuters typically don’t see it being offered.

  • Carol

    Great list of ideas for people who are interested in working from home. The fact that they all offer benefits is a real plus. I’m sure lots of people would be interested in this information. I’d just like to add that I’ve worked at home doing medical transcription for quite a few years now and most of the MT companies have pretty good benefits. Good to know there are other ways to earn money working from home besides transcription. Thanks for the information.

  • NemiraB

    Hello, Steve. Thanks for comprehensive article regarding companies which offer health insurance.
    This information will help people to look for jobs at these companies. Maybe somebody will be lucky and would find his or her dream job and together with it would get health insurance.
    Of course, it would be better if people could earn enough money for everything. However, the health is most important asset. The health insurance is valuable option in case if something happens.
    What is great about your mentioned companies that people can work from home. It gives a sense of freedom.
    It is a pity that payments are moderate. I guess that there are some companies where people can earn substantial income working from home.
    All the best, Nemira.

    • Steve Razinski
      Steve RazinskiFounder

      These are some of the better paying opportunities online as well. They are all entry level with room to grow, but for the most part, you are going to be starting at a lower wage and need to build. Very few companeis do offer benefits so the ones above are ahead of the game.

  • Angela

    I like the way you explain the options that people have on working at home for some major companies. If people were really serious about doing something like this they could actually follow your links to get to the proper websites. I think the only problem is actually putting in the effort to achieve actually getting a job with these companies and maintaining the work that is needed.

    Great job! I will pass this along to others.


    • Steve Razinski
      Steve RazinskiFounder

      Thanks Angela! Like anything else in life, effort and work is going to be required to get things moving for you.

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