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Health Insurance for Artists

Artists and other people who do freelance work like writers can have a lot of trouble finding good health insurance for an affordable price. Because more than one third of artists are self-employed, they do not have the option to get health insurance through their employer. Even if they work for the same company for years, they are usually considered to be self-contractors and not an actual employee of the company. However, there are some ways that artists can find several types of health insurance without paying through the nose for it.

 

Health Insurance for Artists: Tag Along

If possible, one of the most affordable ways for artists and other self-employed people to get good health insurance is to add themselves to their parents’ or spouse’s insurance plan. If you have parents or a spouse that can get insurance through their employer, you may be able to get insurance from them as well. However, for a single artist with retired parents, this is not an option, and it may not be an option for you.

 

Health Insurance for Artists: Join an Organization

Many organizations and associations offer health insurance to their members. There are many of these kinds of groups available to artists, so a little searching will turn up several good health insurance options. Some examples of different artist groups that may be able to offer health insurance or advice on how to find the best options are the Writers Guild of America, the Society of Motion Picture and Television Engineers, and the Authors Guild.

 

Health Insurance for Artists: Small Business Insurance

As an artist, basically you are running a small business. Even though you might be your only employee, you may still be eligible to get health insurance at a company rate that you can then expand to cover your family. Although this seems like an odd option, it may in fact be cheaper than getting individual insurance because you will be receiving a company discount.

 

Health Insurance for Artists: The Importance

It is absolutely essential that artists have a quality insurance plan that is affordable for them. As freelancers, work can come and go, leaving their budget stretched thin for indefinite periods of time. This makes it very important to have a good health insurance policy so that you will still be able to afford doctor visits and prescription medication when you get sick. Health insurance is not something that you can manage very well without, especially if you do not have any money coming in to pay for your medical bills on your own.

 

Health Insurance for Artists: Getting Help

If you match up with the stereotype of the starving artist, you may be eligible for assistance with your health care. If your income is low enough, you may qualify for government sponsored health care. It may be beneficial for you to evaluate your income before taxes and any deductions with the federal guidelines for Medicaid and other government sponsored assistance.

 

Health Insurance for Artists: Get a Free Quote

According to the Census Bureau, one out of every 6 artists does not have health insurance. This is an alarming statistic when all of the health insurance options for artists have been considered. No one should be without health insurance, especially if there reason is that they cannot afford it. There are many affordable plans available, and some insurance companies even specialize in helping artists and other self-employed people find health insurance. Let us help you find affordable health insurance options for you. Enter your zip code at the top of the page and we will get you a free comparison quote that will allow you to view your health insurance options and find the best plan and price for you.

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