In December, OPB (Oregon Public Radio) printed a story on its web site detailing the problems of artists needing health care and suggesting that Oregon's state exchange as well as local insurance brokers who care about the needs of people in the arts community could provide real help for such people. One of the confounding problems mentioned in several places is that many artists are young and relatively healthy. They don't see themselves as needing health care, so they ignore or reject the possible alternatives.
The Southern Arizona Artists and Musicians Healthcare Alliance (S.A.A.M.H.A.) holds regular weekly meetings to help musicians and other artists navigate the questions and problems attached to the Affordable Care Act as it applies to them. They commented, “According to a recent survey, US-based artists — dancers, musicians, visual artists, theatre actors, film and media artists — are less likely to have health insurance than the general public. Like many other Americans, they are also unsure about the components of Affordable Care Act, and seek advice about how to navigate this new health care landscape.” The above suggests that even in states that have resisted the ACA, there are forces at work to help musicians find and get effective health care.
Help is Available: The web site Artists and the Affordable Care Act is an extremely useful site for anyone seeking to negotiate the maze of health health care regulations and the postures taken by various states as they seek to cooperate or resist based on both their politics and their populations. The interactive map provided by the Kaiser Foundation is particularly helpful, detailing at the click of a state the response of each state in the country. It's also quite complicated, as it explains in detail the progress of each state toward establishing (or not) state exchanges and meeting the requirements of the law. There are, however, lots of other resources available to assist people seeking help in their states. http://health.futureofmusic.org/
IBMA, through one of its Affiliated Partners Sound Healthcare has partnered with this company to help provide advice and services to the music industry. “Our primary goal is to provide members access to affordable health insurance and health care advocacy custom-designed to meet the needs of our bluegrass community. We provide customized programs of protection designed to perfectly balance your budget with your needs. Sound Healthcare offers a line-up of best-in-class insurance products, information and resources, and the assurance that we will always exceed the expectations of those we serve.” A form is provided to request further information. I'm sorry to say I reached out to this company for further information, but received no reply. Further information about Sound Healthcare can be found on their web site, here.
The Actors Fund has also put together a very informative web site for all entertainers. Much of it is in the form of talks and charts, which might be easier for some people to navigate. Much of the information is presented as text with a voice over making it much easier to use. The site contains an ACA Basics Tutorial as well as many other resources that should prove helpful to those confused by both the programs available and the overheated rhetoric from both sides of the issue. There are thirty sections, each with a voice over with many accompanied by helpful charts to help reduce anxiety and confusion about ACA choices and responsibilities.
While enrollment for health care under the Affordable Care Act is currently closed until November 15, 2014 for enrollment on January 1, 2015, now is the time to begin preparing to provide for yourself and your family through the provisions of the Affordable Care Act. It's also a good time, if you live in a state which hasn't set up its own exchanges or expanded medicare to write your congressman or state representative urging them to vote for such action. Political ideology is not a good reason to be deprived of rights that have been passed by Congress, signed by the President, and upheld by the Supreme Court. While the Affordable Care Act is far from perfect, we are now seeing millions of people enrolling and the cost curve of medical care beginning to bend downwards. You're entitled to receive these benefits, too.