[…]Thankfully, there are a number of organizations out there to help musicians secure insurance, whether they must buy it on their own or can take advantage of plans offered by various musician labor unions (like NARAS, BMI, ASCAP and the American Federation of Musicians) – though these typically do not cost much less than standard HMO plans. The most prominent of these is the Future of Music Coalition, whose Health Insurance Navigation Tool (HINT) launched in 2005 to provide basic information about available options as well as a free telephone advice service staffed by insurance experts.