Health insurance is still a work-in-progress for artists and performers

By Renata Marinaro

,

The Affordable Care Act, known widely as “Obamacare,” has changed the health insurance landscape for artists, largely for the better. For example, in 2013 Marcie and Russell, freelance writers and artists with an 8-year-old son, had health insurance, but it wasn’t a very good policy. They were paying over $500/month for health insurance with a very high ($3,500) deductible. In December 2015, they found out they were eligible for a new program in New York called the Essential Plan. The family now pays $49/mo, for very comprehensive coverage without deductibles.

This is the way the Affordable Care Act is supposed to work, right? More comprehensive coverage at a lower cost for those who had previously been shut out of the health care system because they didn’t have a traditional job with benefits, or they were unlucky and had a pre-existing condition. 

In 2013, prior to the beginning of many of the major provisions in the Affordable Care Act (ACA), the Future of Music Coalition (FMC) and the Artists’ Health Insurance Resource Center conducted an online survey of US-based artists about their access to insurance. The survey found that, of the 3,402 artist respondents, 43 percent did not currently have health insurance. That was more than double the national estimate of 17 percent uninsured in the general population. The vast majority of artists (88%) said that the main reason they were uninsured was that they couldn’t afford it.

Under the health insurance system that existed prior to passage of the ACA, insurance was difficult for artists to get and keep. There are three main reasons why: First, many artists and entertainers are self-employed and don’t have the benefit of job-based health insurance. Second, if they are working for an employer, the work tends to be contract-based and sporadic, and so they don’t qualify for employer-provided insurance coverage. Third, people who pursue arts-related careers earn substantially less than workers with similar levels of education, and many simply couldn’t afford insurance costs, even when they were eligible.

Since 2014 and the implementation of Medicaid expansion, subsidized coverage and competitive marketplaces, the uninsured rate in the general population has fallen to approximately 10%. We don’t know exactly how many artists are insured, but we do know that many more freelance and low-income workers are insured than in the decades before. 

Good news, right? Well, yes but … it’s complicated. The Affordable Care Act represents a large leap forward in terms of regulating the worst abuses of the insurance industry, increasing access to coverage, and offering comprehensive coverage. In 2013 I spoke to a dancer from Colorado whose insurance covered only her arms and legs. Today, under the ACA, all of her body parts must be covered. But does greater access to affordable insurance mean that artists are using it?  

When I called Marcie to follow up on her story, she told me that she’s having issues with her insurance: “I just can’t seem to find reliable information on doctors who accept it,” she said. “And despite confirming in advance that my insurance would cover the follow-up tests that my doctor recommended, I received a letter from my insurer after receiving the tests saying they weren’t covered after all.” This is a familiar story: plans through the marketplace or Medicaid have limited provider networks and it can be hard to find doctors, particularly specialists, who accept many of them. Some states, like New York, offer no out-of-network coverage, meaning that a musician who tours for a living isn’t covered while on the road. And in many states, plans have high deductibles, making it difficult to use the coverage for anything other than preventive screenings or a catastrophic medical event.

These are issues that can be fixed, but it will take your input to fix them. Policymakers hear from insurers all day long – they need to hear from consumers. Your voice matters, and the more artist voices, the more likely that changes in the system will reflect artists’ needs.

Things you can do to share your story:

  1. Contact your state representatives or get involved in a state or national organization working for better health care. The Actors Fund is working with Health Care For All New York (HCFANY) to advocate for change at the state level, and HCFANY has made it easy for New Yorkers to share their stories on their website. Nationwide, Families USA is an influential organization that advocates for a better health care system. You can sign up to for their Health Action Network to stay informed, or just share your story on their site.
  2. Take 15 minutes before March 15 to take this survey from the Andrew W. Mellon Foundation about the needs of artists, including their health needs.
  3. In the comments or using the hashtag #creativz tell us: Are you using your insurance? If yes, are you happy with your coverage? Why or why not? And has access to coverage since 2014 made a difference in your creative life?

Remember that this is a new system with room for growth. Policymakers are trying to understand the problems, and create solutions for them, as you are reading this. By sharing your experience, you have the chance to be a part of those solutions.

Renata Marinaro, LMSW, is National Director of Health Services for The Actors Fund. She has written Every Artist Insured, a guide to understanding the Affordable Care Act for artists and entertainers. The Actors Fund’s Artists Health Insurance Resource Center has been connecting artists, craftspeople and entertainment industry workers around the country to health insurance and affordable health care since 1998.

Photo by Jesse Orrico via Unsplash / Creative Commons

Are you using and happy with your health insurance? Has access to coverage since 2014 made a difference in your creative life?

Add your perspective in the comments below, or on social media tagged #creativz

Published March 9, 2016

  • Erica

    This article shows that the system is really stacked high on the side of the provider. Insurance companies are engaging in Fabian tactics. To me this information is strong, simple and clear. It’ll get people out of the maze, to the point where they can say “yes, thank you for paying for my claim.” I ask for a most benevolent outcome for the Affordable Care Act now!

  • Lisa

    Like the article says, there have been improvements, for instance, my plan has an out of pocket limit and mental health coverage, which was not the case before obamacare, but I still only use it for preventative care because of the high deductible. And although quality went up I’m disappointed that the premium is high and getting higher each year.

    My musician friends say the same thing. We’re generally quite healthy and exactly the people obamacare needs to participate, but if premiums continue to go up we won’t have a choice but to opt out. Then the whole system comes crashing down 🙁

Share your feedback on the research and what you think comes next using your favorite social app (such as Twitter or Facebook) and the hashtag #creativz.”

Taking Note: Filling Gaps in Artist Data Knowledge

By Sunil Iyengar

Debt: A System Failure, not an Individual One

By Hannah Appel

Creativity Connects: Trends and Conditions Affecting U.S. Artists

By Alexis Frasz, Angie Kim, and Holly Sidford

Online platforms are not enough. Artists need affordable space.

By Caroline Woolard

How does crowdfunding change the picture for artists?

By Douglas Noonan

Do artists have a competitive edge in the gig economy?

By Joanna Woronkowicz

Can photographers restore their devastated business?

By Danielle Jackson

Who sets the agenda in America’s new urban core?

By Umberto Crenca

Artists, the original gig economy workers, have more rights than they think

By Sarah A. Howes

Why we can’t achieve cultural equity by copying those in power

By Carlton Turner

The art school of the future

By Ruby Lerner

What does it mean to sustain a career in the gig economy?

By Steven J. Tepper

For profit or not, artists need tech designed for artists

By Adam Huttler

Generosity as a guiding principle of life as an artist

By Yaw Agyeman

Health insurance is still a work-in-progress for artists and performers

By Renata Marinaro

Want to be an artist? Be passionate and realistic about your career

By Tanya Selvaratnam

Technology isn’t magic. Let’s make it work better for artists and musicians.

By Kevin Erickson and Jean Cook

How artists and environmental activists both do better together

By Jenny Kendler and Elizabeth Corr

Introduction: What do artists need to thrive?

By Angie Kim

What artists actually need is an economy that works for everyone

By Laura Zabel

Why arts funders and indie video game makers don’t click, and how to fix it

By Asi Burak

Share your feedback on the research and what you think comes next using your favorite social app (such as Twitter or Facebook) and the hashtag #creativz.”

What is this?

CREATIVZ is a conversation about how artists in the United States live and work and what they need to sustain and strengthen their careers. It's part of a research project from the Center for Cultural Innovation and the National Endowment for the Arts, with additional support from the Doris Duke Charitable Foundation and the Surdna Foundation. Overall research and online strategy by Helicon. Online strategy and production by We Media.

Read more about the project.

Cover photo by Bill Dickinson via Flickr / Creative Commons