It is an illusion - Anonymous employee HealthMarkets Employee Review

You are an employee, don't kid yourself. But a contractor on paper with none of the benefits of being an employee. You are required to attend weekly meetings or face consequences; your personal income is made public at meetings and through email (not just production, your paycheck!); your territory manager tells you that you cannot get a part-time job or "we'll have to have a talk"; you get a load of harassment emails about your productivity even when you are following the contract that you signed that gives guidelines for being a career agent.