“The basic principle of insurance is that an entity will choose to spend small periodic amounts of money against a possibility of a huge unexpected loss. Basically, all the policyholder pool their risks together. Any loss that they suffer will be paid out of their premiums which they pay.”
“The Affordable Care Act (aka Obamacare) has made insurance available to many artists who either could not purchase it or could not afford it before. Many artists qualify for subsidies that bring the cost of insurance down to an affordable range. However, in states that have rejected Medicaid expansion some artists do not qualify for Medicaid, yet earn too little to receive insurance subsidies. There are no easy answers, but artists caught in this Catch-22 who are on the borderline may want to do their best to lower expenses or find some supplemental income that will help them reach an income level.
Many insurance plans also come with high deductibles and copays, so it is advisable to try to set some money aside to cover those upfront expenses. [Cerf+ offers] some resources to help you get started and weigh healthcare options.”
The Actor’s Fund | Artists Health Insurance Resource Center
“Getting health insurance or finding quality medical care can be confusing for anyone who isn’t covered by an employer or union health plan. Our Artists Health Insurance Resource Center identifies coverage options and helps members of the visual and performing arts community enroll in them. Find upcoming workshops to learn more!”
“A list of organizations that offer artists-health insurance. The list also includes organizations and websites that provide information about artist-health insurance and medical plan options.”
Healthcare.gov | Enroll in Health Insurance Through the Affordable Care Act
Freelancers Union | Hand-Picked Insurance Plans For Freelancers
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