The economic fallout of the virus has made the disparity between employed workers and independent contractors clearer than ever. New York has a paid-sick-leave law, but it does not cover contract workers. Many freelance workers in the arts have high self-employment taxes and health-insurance costs; they do not have 401(k) matching programs or employer-backed disability insurance, or severance when work is called off. If artists have health insurance through a guild or a union, coverage is usually dependent on working for a certain number of weeks every year. – The New Yorker