 The Freelancers Union acknowledges those problems with the open market but asserts that its large-group bargaining power, its captive insurance company's obligation to grant coverage, and its non-profit marketing role all serve as effective remedies.In January 2008, Freelancers Union was criticized by both its members and the press when its new Freelancers Insurance Company became the entity providing coverage to members.At that time, the Union dropped Empire Blue Cross Blue Shield in favor of a range of new options, mostly more expensive, with Anthem BC/BS remaining only as claims processing agent.