Health Care for Musicians: What's Next?

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4 comments posted

You can buy catastrophic

Submitted by Dave (not verified) on July 10, 2012 - 3:42pm.

You can buy catastrophic insurance (higher deductible) for as low as $35-50 per month today on sites like ehealthinsurance.com, much cheaper than the rates that will be established by the new law. Not only that, if you don't hit the deductible one year, it is reduced the next. This is a great plan for young musicians that probably won't use much healthcare anyway.

Hey Dave, That sure sounds

Submitted by Anonymous (not verified) on July 10, 2012 - 9:38pm.

Hey Dave, That sure sounds nice in theory. But As a musician with Diabetes as the system is now i'd have to pay $200-$300 a month, with a $5000 deductible over both perscrips, and dr. visits. In no way is that affordable for me. And as someone that could really benefit from better insulins, and healthcare it's simply not attainable.

I just want to know how this

Submitted by Anonymous (not verified) on July 12, 2012 - 11:46am.

I just want to know how this law is going to make buying your own insurance cheaper. I don't see it happening. This $50 a month bare bones plan is no longer going to be $50. If you want health insurance that's worth anything you're going to fork out money for it and I believe it's going to cost even more by the time it's mandatory to have it. I like the parts of the law about pre existing conditions and all but I don't like the mandatory part. I currently don't buy health insurance because there's not a better plan out there that is better for me than putting aside my own money that I would have paid for health insurance in a savings account (not HSA just normal savings). I can use that money for anything I feel is a medical purpose not what the HSA's say is a medical purpose and I'm not wasting money on monthly payments when I would have to pay a copay or use up my deductible anyway to see the doctor. An average insurance plan for me is ~$300 a month. By not purchasing insurance for the past 12 years I have saved $43,200. Take about $500 a year out for doctors visits and prescriptions and you have $37,200. Not too shabby. And, if something catastrophic did happen then Hospitals are pretty darn good about taking monthly payments and a lot of times if you pay with cash you get a discount. Look if you need health insurance maybe this law will help you but if you're like me and don't need it then it's just a punishment. Unless someone can tell me how this is better for people like me I'm not thrilled with this law being passed. It just shouldn't be mandatory. Even at $50 a month you'd save money. Look, it may be great for all of you who have been excluded and wanted health insurance but to make it mandatory for people like me is just not fair.

This is pure communist

Submitted by Joel Clyde (not verified) on August 10, 2012 - 8:23am.

This is pure communist garbage. We don't need the government telling us what to do. And this information is misleading at best. Most of the 'musicians' in the country are actually amateurs with full-time day jobs, and group insurance. And most pro's (like myself) either belong to the Union with full benefits, or work for a venue that provides them. This law has caused many small business to shut down, already, and a lot of doctors/nurses to leave the medical field. It is a disaster in the making, and the sooner we get rid of it, and comrade Obama, the better. Also, I am a combat vet, so I am covered by the VA, If the government decides to fine me anyway, I am not paying it. If they want to jail me, then so be it. Some things are important enough to fight for, or against, and this is one of them.

Wake up, America!

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