So you want to form a band. You’ve got your equipment, found your rehearsal space and are keeping connected with your loyal fan base on MySpace and Twitter.

But what about health insurance?

Before the health care reform bill became law you had a choice to make. You could pay for health care, or you could take the risk.

A significant portion of musicians has decided to take the risk. An April 2010 study from the Future of Music Coalition found that 34 percent of the 1,400 musicians surveyed did not have health insurance, more than twice the national average.