Why Independent Workers — and the Companies That Hire Them — Need Portable Benefits

Liya Palagashvili & Jonathan Wolfson June 4, 2026

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For the rapidly growing number of Americans earning income independently, work doesn’t come with a benefits department. That’s one reason why “portable benefits” reforms have been sweeping through statehouses and are beginning to attract serious attention on Capitol Hill.

At their core, portable benefits mirror worker-owned flexible or health savings accounts, but can pay for a broader range of products and services. Generally speaking, a business (or other client) can decide — voluntarily — to offer contributions as part of an independent worker’s compensation package.

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