While 'gig' work may not seem as steady as a full-time job, with some investment of time and networking, it can in fact also provide  a steady flow of income - and more of it often since you'll pay taxes differently to take into account the expenses for doing the work on your own.

I'll admit it, my preference IS gig work, as Ms Nazareth puts it, I enjoy the sense of freedom, and the distance from the politicking that goes on in organizations.  I enjoy the extra cash too.  I actually wish more companies were open to contracting and its corollary (often), telecommuting.

At the same time, to the point of this article, not only is social insurance not ready for these types of workers, nor are benefits providers. Another big miss when working on your own is benefits - especially with a young family.  In time insurers will realize what a big market is out there with the 'gig' workers.