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The gig economy includes none of these benefits. Plus, a wage for a gig worker “can vary drastically, and by no means has a fixed minimum. For many, the ‘feast or famine’ style of income can be difficult and stressful; this fluctuation in earnings can make it difficult to save for the future, which is exacerbated further by not being entitled to some form of a retirement package or pension contribution. Then there is the formidable issue of no sick leave—if gig workers are unable to work, they simply do not earn,” explained journalist Elizabeth Matsangou. 

While 74.3 percent of gig workers in the U.S. had health insurance in July 2023, according to the Bureau of Labor Statistics, only 19.9 percent had health insurance provided by their employer, which means that not only are gig workers paying for their entire health insurance premium (which is generally higher than employer plans) but they also have to navigate signing up and renewing their policies every year without the assistance and expertise of a formal human resources department.