It’s tough to make a living from artistic pursuits, and music is no exception. The nonprofit Future of Music Coalition conducted a study that found the vast majority of musicians are working or middle-class earners, and more than half of musicians surveyed make less than $25,000 a year from their music, and about a quarter make less than $5,000. Another FMC survey found that in 2013 (pre-Obamacare), 43 percent didn’t have health insurance.
In 2013, prior to the beginning of many of the major provisions in the Affordable Care Act (ACA), the Future of Music Coalition (FMC) and the Artists’ Health Insurance Resource Center conducted an online survey of US-based artists about their access to insurance. The survey found that, of the 3,402 artist respondents, 43 percent did not currently have health insurance.
Are you a musician living without health insurance?
You’re not alone. A 2010 FMC survey of 1,450 musicians found that 33 percent didn’t have insurance. A 2013 survey of artists of all types – musicians, dancers, visual artists, filmmakers – found that 43 percent were currently uninsured, more than twice the amount of uninsured in the general public.
In 2005, FMC teamed up with Alex Maiolo and Chris Stephenson to create HINT – the Health Insurance Navigation Tool. HINT provides informed, musician-friendly support and advice to musicians who need information about health insurance, for free.