Freelancer Resources

Official federal ACA Marketplace enrollment portal for self-employed Michigan workers. Compare plans, calculate subsidies, and enroll during Open Enrollment November 1 through January 15.

Michigan Medicaid for adults earning under 138% of the Federal Poverty Level. Free or very low cost coverage. Check eligibility online.

ACA Marketplace navigation tool built specifically for freelancers and gig workers. Helps estimate subsidies and compare plans. Free to use. Plans and prices are identical to healthcare.gov.

Free federal tax payment portal. Pay quarterly estimated taxes instantly online at no cost. No account required.

Pay Michigan state estimated taxes, file state returns, and access Michigan tax resources for self-employed workers.

Detroit city income tax forms, payment portal, and rate information for Detroit residents and non-residents earning income in the city. Residents owe 2.4%. Non-residents owe 1.2%.

Free and low-cost tax preparation for Detroit residents earning under $89,000. IRS-certified volunteers. VITA program. Multiple Detroit locations. Call (313) 556-1920.

Statewide free tax preparation locator. Find a free VITA site near you. Call 2-1-1 or text your zip code to 898211.

Free one-on-one mentoring from volunteer business and tax experts. In person, email, or video sessions. Free workshops and webinars. Supported by the US Small Business Administration.

Official IRS guidance on Solo 401k and SEP IRA contribution calculations for self-employed workers. Free.

Free to open, no annual fees, includes Roth option. One of the most recommended Solo 401k providers for self-employed workers. Establish by December 31 to make contributions for the current year.

Free to open, no annual fees. Strong low-cost investment options for solo self-employed workers.

Official Michigan court self-help resource for filing small claims cases. Detroit freelancers can use small claims for unpaid invoices up to $6,500. No attorney required. Free guidance.

Free legal information and do-it-yourself tools for common legal problems in Michigan. Covers contracts, payment disputes, and business issues.

$25 fee for a 25-minute consultation with a Michigan-licensed attorney in your practice area. Low-cost starting point to find legal help for contract and payment issues.

Professional liability and general liability insurance for freelancers and small businesses. Online quotes in minutes. One of the most commonly used E&O providers for independent workers.

Professional liability (E&O) insurance for consultants, designers, developers, and other knowledge workers. Established specialty insurer. Online quotes available.

Free e-signature tool for freelance contracts. Basic plan is free for up to 3 documents per month. Helps freelancers get contracts signed quickly and professionally.

Free business banking built for freelancers and small businesses. Create multiple sub-accounts for tax reserve, emergency fund, and operating expenses. No monthly fees. No minimum balance.

Banking platform built specifically for self-employed workers. Automatic tax set-aside on every deposit. Free basic plan. Invoicing and bookkeeping tools included.

Banking and bookkeeping for self-employed workers. Automatic Schedule C expense categorization. Tax savings tools. Free plan available. Built specifically for freelancers and independent contractors.

Free student loan navigation tools for self-employed workers. Understand income-driven repayment options and manage student debt on a freelance income.

Free tax preparation and financial coaching services for Metro Detroit residents. Financial stability programs for independent workers in Wayne, Oakland, Macomb, and Washtenaw counties.

Wayne State University's nonprofit entrepreneurship hub. Coworking, private offices, and event space. Free Ask an Expert sessions with legal, HR, and business strategy professionals. Open to all Detroit entrepreneurs and independent workers.

Coworking community for freelancers, startups, and small teams in downtown Detroit. Flexible daily, weekly, and monthly memberships. Multiple locations.

Affordable 24/7 coworking and dedicated office space for small businesses and freelancers in Detroit. Supportive of early-stage independent workers.

Sustainable business incubator and coworking community for entrepreneurs and independent workers in Detroit. Triple-bottom-line business focus.

Free mentoring from volunteer business experts. One-on-one sessions in person, email, or video. Free workshops and webinars. Supported by the US Small Business Administration.

Economic development support for Detroit businesses. Small business programs and connection to city resources for independent workers operating in Detroit.

Resources, advocacy, and community for Black business owners and independent workers in Metro Detroit. Programs and connections to support Black-owned independent businesses.