Health Insurance for Artists
Acquiring health insurance for individual artists and dependents is not a simple task. In our search, we have not found a policy that is specifically designed for artists open to all who wish to enroll. However, there are many policies available for artists either as members of the general public or through membership or service organizations. The goal here is to give an overall view of what is available (as of this writing) and where to go to get information on eligibility and costs.
The information in this section is provided as a service only, and the California Arts Council does not necessarily endorse or support the organizations listed below. Individuals interested in acquiring health insurance should thoroughly research a plan or company before purchasing.
HMO vs. PPO
There are essentially two kinds of health care providers for individuals: Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). HMOs assign a primary care physician who manages the patient’s health care and makes referrals to specialists. With PPOs, the patient can select from a provided list which doctor and specialists they wish to see. On average, premiums for PPOs are double that of HMOs. HMOs and PPOs vary greatly in size and can offer coverage regionally, statewide or nationally.
Policies through Membership or Service Organizations
Health insurance can be obtained through membership or arts service organizations. Art service organizations usually serve the constituency of a specific artistic discipline. However, it is important to note that many arts service organizations do not require you to be an artist or an arts professional to become a member.
The Actors' Fund
This is the best resource for information on arts service organizations offering health insurance to their membership. The Artists' Health Insurance Resource Center has extensive information by state on art service organizations offering health insurance. Health care guides for Los Angeles and San Francisco/ Oakland, Orange County, Sacramento, San Diego and San Jose are available. These guides provide thorough explanations of health care options in each area and answer common questions specifically geared towards artists, using standardized and accessible information source for artists.
National Dance Educators Organization
Health, major medication, "mini-medical," dental, vision and liability insurance for active or retired dance educators.
Fractured Atlas
Membership is available to artists and arts professionals of all disciplines. They offer a relatively modest health plan.
National Association for the Self-employed
Membership is at two different levels. Members receive a variety of health care benefits including; dental, vision, prescription and hospital coverage.
American Music Center
Membership is open to the general public. They offer a group health insurance plan through CIGNA.
Additional Resources
California Department of Managed Health Care
Offers list (PDF file) of all licensed providers in California, provides report card on largest providers. Many additional services.
California Department of Insurance
Informative on-line brochure about health insurance.
Veterans Administration
US military veterans and their families may have options for health coverage through the Veterans Administration.
