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health insurance survey

Survey findings
http://futureofmusic.org/hcr

October 15, 2013

Artists’ Health Insurance Resource Center and Future of Music Coalition
Artists and health insurance survey
Online survey designed by Future of Music Coalition and the Artists’
Health Insurance Resource Center, a program of the Actors Fund.
Information about the survey disseminated through a network of nearly 100
artist service organizations, associations, and state-based arts agencies.
The goal of the survey was to gather information from artists of all types –
dancers, theatre actors, visual artists, musicians, film/media artists – about
whether they currently have health insurance, and whether they thought
their health insurance status would change with the continued rollout of the
Affordable Care Act.

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Prior research on health insurance and artists
Future of Music Coalition has conducted two similar surveys in the past of
US-based musicians and composers.

• A 2002 survey found that, of the nearly 2,700 musician respondents,
44 percent did not have health insurance.
Future of Music Coalition: Health Insurance and Musicians (2002)
http://www.futureofmusic.org/article/research/health-insurance-and-musicians

• A similar survey in 2010 found that, of 1,451 musician respondents,
33 percent did not have health insurance.
Future of Music Coalition: Taking the Pulse: Survey on Health Insurance and Musicians (2010)
http://www.futureofmusic.org/article/research/taking-pulse-survey-health-insurance-and-musicians

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Ongoing work on health insurance and artists
Since 1998, The Artists’ Health Insurance Resource Center (AHIRC) has
helped artists everywhere get affordable, quality health insurance and
health care. Created by The Actors Fund with a grant from The National
Endowment for the Arts, AHIRC hosts a carefully researched, constantly
updated and revised database of information about access to health care
and insurance. AHIRC also conducts in-person counseling, national
telephone support, and Getting and Keeping Health Insurance workshops
at arts, cultural and human services organizations throughout the country.
In 2005, FMC launched HINT — the Health Insurance Navigation Tool.
FMC doesn’t offer plans or sell health insurance; HINT simply provides
musicians with personalized advice about their health insurance options,
for free.
Future of Music Coalition: Get the HINT http://www.futureofmusic.org/hint/

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Data from the survey
The following slides provide some top-level findings from the survey, which
was completed by over 3,400 US-based artists.
Executive summary and full report available at http://futureofmusic.org/hcr

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Do you currently have health insurance?

No
43%

Yes
57%

All respondents
N=3402

43% of survey respondents do not currently have health insurance coverage. This is
over twice the national average of about 18% of the non-elderly population.
Kaiser Family Foundation. http://kff.org/other/state-indicator/nonelderly-0-64/

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Do you currently have health insurance?
Percent insured by primary artistic discipline
Yes

No

Dance (N=148)

Film/Video/Media (N=235)

Literary Arts (N=181)

Music (N=1236)

Theatre (N=349)

Visual Arts (N=1155)

Other (N=98)
0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Do you currently have health insurance? N=3402

Some variation among artistic disciplines,
with musician respondents the least likely to be insured.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Do you currently have health insurance?
Percent insured by personal income derived from art

Percent of personal income derived from art

Yes

No

none

10% to 20%

30% to 40%

50% to 60%

70% to 80%

90% to 100%
0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Do you currently have health insurance? N=3363

Essentially, the more personal income derived from art,
the less likely the respondent is to have health insurance.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Do you currently have health insurance?
Personal income derived from art + artistic discipline
Percent insured by personal Film/media artists film/media artists
income derived from art, for
No

Yes

none

Percent of personal income derived from art

Percent of personal income derived from art

Yes

Percent insured by personal income derived from art, for musicians
Musicians

10% to 20%

30% to 40%

50% to 60%

70% to 80%

90% to 100%
0%

10%

20%

30%

40%

50%

60%

70%

Do you currently have health insurance? N=235

80%

90%

100%

No

none

10% to 20%

30% to 40%

50% to 60%

70% to 80%

90% to 100%
0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Do you currently have health insurance? N=1236

Likelihood of insurance varies a bit by art form and artistic discipline.
Film/media/video artists are slightly more likely to be insured, even if they derive
90% or more of their income from art. However, for musicians, the more of their
personal income they derive from their art, the less likely they are to be insured.

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Do you currently have health insurance?
Personal income derived from art + artistic discipline
Percent insured by personal income derived from art, for theatre artists
Theatre artists
No

Yes

none

Percent of personal income derived from art

Percent of personal income derived from art

Yes

Percent insured by personal Visual artists art, for visual artists
income derived from

10% to 20%

30% to 40%

50% to 60%

70% to 80%

90% to 100%
0%

10%

20%

30%

40%

50%

60%

70%

Do you currently have health insurance? N=349

80%

90%

100%

No

none

10% to 20%

30% to 40%

50% to 60%

70% to 80%

90% to 100%
0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Do you currently have health insurance? N=1155

Likelihood of insurance varies a bit by art form and artistic discipline.
Theatre artists are slightly more likely to be insured, even if they derive 90% or
more of their income from art. However, for visual artists, the more of their
personal income they derive from their art, the less likely they are to be insured.

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Do you currently have health insurance?
Percent insured by number of workweek hours spent on art
Yes

No

0 hours

1 to 19 hours

20 to 39 hours

40 to 59 hours

60 hours or more

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Do you currently have health insurance? N=3402

The more workweek hours spent on art,
the less likely respondents are to have health insurance.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Do you currently have health insurance?
Percent of insured by age strata
Yes

No

Less than 24

25-29

30-34

35-39

40-44

45-49

50-54

55-59

60-64

65 or older
0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Do you currently have health insurance? N=3319

Existing policy may be influencing this chart. Those under 26 can remain
on parent's plan, and those 65 or older are eligible for Medicare.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Do you currently have health insurance?
All survey respondents

No
43%

Yes
57%

N=3402

“Full time” artists: those working 40+ hours/week
on art *and* deriving 100% of income from art

No
50%

Yes
50%

N=817

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Percent uninsured by age strata:
survey respondents versus US Census data
Survey

Census

31%

Less than 24

27%

51%

25 to 34

27%

46%

35 to 44

21%

43%

45 to 64

16%

7%

65 and older

2%
0%

10%

20%

30%

40%

50%

60%

Compares uninsured survey respondents to US census data on uninsured by age strata
https://www.census.gov/hhes/www/hlthins/data/incpovhlth/2012/Table7.pdf
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Do you currently have health insurance?
Percent insured by marital status
Yes

No

Single (N=1289)

Married (N=1281)

Lifetime partner (N=284)

Separated (N=33)

Divorced (N=337)

Widowed (N=56)
0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Do you currently have health insurance? N=3280

Respondents who are married or widowed most likely to be insured.
Singles and separated or divorced the least likely.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Do you currently have health insurance?
Percent insured by number of children
Yes

No

No children (N=2071)

Any children (N=1192)

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Do you currently have health insurance? N=3263

Respondents with any number of children
slightly more likely to have health insurance.

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Do you currently have health insurance?
Percent insured by household income
Yes

Less than $15,000

No

28%

$15,000-$34,000

41%

$35,000-$54,000

60%

$55,000-$74,000

74%

$75,000-$84,000

82%

$85,000 or more

93%

59%

Don't know
0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Do you currently have health insurance? N=3207

The more household income, the more likely respondents
are to have health insurance.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Do you currently have health insurance?
Percent insured by state
(states with 100 or more respondents)
Yes

No

Some differences by location. Artist
respondents from TX were the least
likely insured, while WA and IL –
both states that currently offer lowincome insurance plans to residents
– are more likely insured. This
finding mirrors general state-based
trends, as reported by Pew
Research Center.

CA (N=357)

CO (N=136)

FL (N=180)

IL (N=469)

NY (N=415)

http://www.pewresearch.org/fact-tank/2013/09/19/
most-uninsured-americans-live-in-states-that-wontrun-their-own-obamacare-exchanges/

TN (N=131)

TX (N=236)

Respondents from MA – a state that already has
mandatory coverage for residents – reported 89%
insured, but with only 61 respondents, they did not
meet the minimum threshold to include in this chart.

WA (N=123)
0%

20%

40%

60%

80%

100%

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
1%
2%
1%
1%
2%

For those without health insurance, primary reason
1%
2%
1%
1%
2%

5%

I can't afford it/it's too expensive
5%

I don't qualify/I have a pre-existing condition
It's a waste of money
IIcan't afford it/it's too expensivecoverage
don't know where to apply for
88%

IIt's too confusing to a pre-existing condition
don't qualify/I have apply for coverage
It's a waste of money
Don't know
II'm not interested to apply for coverage
don't know where

88%88%
I can’t afford it/
it’s too expensive

It's too confusing to apply for coverage

Other reasons mentioned in open-ended section (N=166)
A combination of the above, in particular, coverage is too
•Don't know
I'm not interested of pre-existing conditions
costly because
• Respondent doesn’t work enough hours to qualify for
employer or union coverage
• Some saying it's not worth the money

Overwhelming reason why they don't currently have health insurance;
they can’t afford it/it's too expensive.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
For those without health insurance, primary reason
Percent of respondents who said they don't have health insurance because
they "can't afford it" by artistic discipline
Dance

90%

87%

Film/Video/Media

Literary Arts

92%

Music

89%

Theatre

89%

Visual Arts

88%

77%

Other
50%

55%

60%

65%

70%

75%

80%

85%

90%

95%

100%

Percent of uninsured respondents. N=1478

Same data cross-tabbed by artistic discipline. The overwhelming reason why they
don't have health insurance remains that they can’t afford it/it's too expensive.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
For those with health insurance, who provides coverage?
For those with health insurance, who provides coverage
I pay for it myself/private insurance plan

39%
22%

My employer
Spouse's/partners's plan

Other sources of coverage mentioned in
open-ended section
• State plans (MA, VT, WA, IL)
• Association plan (AARP, Freelancers Union)
• Continued care as a retirement benefit
• Federal coverage for retired military or
federal workers
• Others mentioned a combination of plans,
such as private insurance to supplement
Medicare

17%
12%

Medicare/Medicaid
My parents

3%

COBRA/state continuation

3%

My union

2%

My school

1%
0%

The military
0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

Respondents with health insurance. N=1927

Artist respondents more likely to be paying for own plan than general public.
According to Kaiser Family Foundation, just 6% of general US population has individual coverage.
Kaiser Family Foundation. http://kff.org/other/state-indicator/nonelderly-0-64/
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
For those with health insurance, who provides coverage?
For those with health insurance, who provides coverage
Those working 40 or more hours a week on art
I pay for it myself/private insurance plan

51%
16%

Spouse's/partners's plan
My employer

12%
11%

Medicare/Medicaid
My union

5%

COBRA/state continuation

3%

My parents

2%

My school

1%
0%

The military
0%

10%

20%

30%

40%

50%

60%

Respondents who spend 40 or more hours a week on art with health insurance. N=657

Of the “full-time” artists – those working 40+ hrs/week on art – who currently have insurance,
51% are paying for it themselves/have an individual plan.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
For those with health insurance,
biggest factors in choice of coverage
For those with health insurance, biggest factors in choice of coverage

Cost of plan

855

No choice: plan was chosen by employer/spouse's
employer

595

Coverage of plan

591

Only plan I could get

Other factors mentioned in open ended section
(N=195)
• Switched to Medicare automatically at age 65
• Best plan they could get (cost/options/preexisting conditions all a factor)
• Only plan they could afford
• No choice: plan chosen by parents
• No choice: plan offered by state

391

Size of network

163

Ease in working with insurance company

125
0

100

200

300

400

500

600

700

800

900

Respondents with health insurance. More than one answer allowed. N=1927

Cost of plan is most dominant factor.

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
For those with health insurance,
cost of monthly premium
For those with health insurance, cost of monthly premium

Respondents with health insurance. N=1773

350

300

250

200

150

100

50

0
$0

$1 - $100 $101 $200

$201 $300

$301 $400

$401 $500

$501 $600

$601 $700

$701 $800

$801 $900

$901 $1000

more
than
$1000

I don't
know

Premium costs

Monthly premium strata shows that majority of respondents
with health insurance paying less than $400 a month. The average across
all respondents who know their premium is $289 a month.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
For those with health insurance,
cost of monthly premium and who pays
350

300

250

Military
Union
School

200

Parents
Medicare/Medicaid

150

Covered by COBRA/state continuation
Covered by spouse's/partners's plan

100

Employer
Pay for it myself/private insurance plan

50

0
$0

$1 - $100

$101 $200

$201 $300

$301 $400

$401 $500

$501 $600

$601 $700

$701 $800

$801 $900

$901 $1000

more than
$1000

I don't
know

Same data by who pays. For higher monthly premiums,
respondents are more likely to be paying themselves

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
For those with health insurance,
cost of monthly premium
1: me

2: me + spouse

3 or more

30%

25%

20%

15%

10%

5%

0%
$0

$1 - $100

$101 $200

$201 $300

$301 $400

$401 $500

$501 $600

$601 $700

$701 $800

$801 $900

$901 $1000

more than
$1000

This breaks down the monthly premium strata by the number of individuals covered
by the plan. Individuals more likely to pay $0 to $200, whereas costs for those with a
spouse or children are more spread out.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Understanding of Affordable Care Act
Understanding of Affordable Care Act
I understand it very well

I understand it somewhat

I don't understand it at all

I'm unsure

55%
8%

0%

38%

10%

20%

30%

26%

40%

50%

60%

29%

70%

80%

90%

100%

Percent of respondents. N=3380

When asked whether they understand how the ACA will impact them or their families, 55% of
respondents either said they “don’t understand it at all” or “I’m unsure”. A recent poll by Pew
Research Center/USA Today found a similar lack of understanding among the general population,
with 34% saying they “didn’t understand at all” how the ACA would affect them.
Pew Research Center. http://www.people-press.org/files/legacy-pdf/9-16-13%20Health%20Care%20Release.pdf

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Understanding of Affordable Care Act
Understanding of Affordable Care Act by artistic discipline
I understand it very well

I understand it somewhat

I don't understand it at all

Dance

56%

Film/Video/Media

53%

Literary Arts

44%

Music

59%

Theatre

50%

Visual Arts

53%

Other

I'm unsure

62%
0%

10%

20%

30%

40%

50%

60%

70%

Percent who
“don’t understand”
or who are “unsure”

80%

90%

100%

Percent of respondents. N=3380

Looking at the same data by artistic discipline, when asked whether they understand
how the ACA will impact them or their families, a majority of respondents all but one
discipline say they “don’t understand it at all” or are “unsure”.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Make changes to health insurance coverage
because of Affordable Care Act?
Make changes to health insurance coverage because of Affordable Care Act?
Currently insured and will continue with this coverage

Will shop on the state-based exchanges for an affordable plan

Will apply for Medicaid

Will remain uninsured and pay the penalty

I'm not sure

27%

0%

10%

29%

20%

30%

40%

4% 3%

50%

60%

37%

70%

80%

90%

100%

Percent of respondents. N=3222

More than a third of respondents are “unsure” about what they will do with continued
rollout of ACA in fall 2013. Again, artists are not unlike the general US population, which
reports widespread confusion about the policy, some disagreement with law in general,
and a lack of practical experience with to-be-launched insurance exchanges.

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Make changes to health insurance coverage
because of Affordable Care Act?
Currently insured and will continue with this coverage

Will shop on the state-based exchanges for an affordable plan

Will apply for Medicaid

Will remain uninsured and pay the penalty

I'm not sure

Dance (N=144)

Film/Video/Media (N=244)

Literary Arts (N=172)

Music (N=1169)

Theatre (N=330)

Visual Arts (N=1090)

Other (N=93)
0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Percent of respondents. N=3222

Film/media artists and musicians are most “unsure” about response to ACA.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Make changes to health insurance coverage
because of coverage because of Affordable Care Act?
Make changes to health insuranceAffordable Care Act?
Currently insured and will continue with this coverage
Will shop on the state-based exchanges for an affordable plan
Will apply for Medicaid
Will remain uninsured and pay the penalty
I'm not sure

Currently has insurance

Uninsured

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Percent of respondents. N=3222

Greater ambivalence is reported by respondents who currently don’t have insurance. Again,
this is to be expected, given the lack of experience with the just-launched exchanges.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Make changes to health insurance coverage
because of Affordable Care Act?
Make changes to health insurance coverage because of Affordable Care Act?
Currently has insurance

Uninsured

*

Currently insured and will continue with this coverage

Will shop on the state-based exchanges for an affordable plan

Will apply for Medicaid

Will remain uninsured and pay the penalty

I'm not sure
0

200

400

600

800

1000

1200

Number of respondents. N=3222

37% “unsure” includes nearly 500 respondents who currently have health insurance.
We suspect these responses (*), which reflect a counter-factual position based on
earlier answers, are respondents who didn’t read the question properly.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Most important potential outcome
of Affordable Care Act
Most important potential outcome of Affordable Care Act

1245

Make health insurance more affordable
Providers cannot deny or drop coverage because of pre-existing
conditions

Other answers mentioned in open
ended section (N=308)
• All of the above, or a combination of
above, are important
• None of the above: the only solution
is single payer
• Affordable health care for all
Americans
• Do not think the ACA is going to
work
• ACA will make health insurance
more expensive
• Government will become too
involved in this business
• Disagree with the government
forcing them to pay for something
they can't afford or don't want

675
556

Can get coverage without having a salaried job with benefits
458

Give me peace of mind that I can get the care I need
60

Can comparison shop for a plan based on listed price and features
Make health insurance easier to understand

32

Make routine checkups and flu shots free

31

Eliminate lifetime limits on insurance payouts

21

Can move to a different state and still get coverage

21

Make health insurance claims less complicated/paperwork driven

20

Widen the network of doctors and specialists I can see

14
0

200

400

600

800

1000

1200

1400

Number of respondents. N=3133

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Most important potential outcome
of Affordable Care Act
Of available survey answers, the most common answers were:

•
•
•
•

Make health insurance more affordable (40%)
Providers cannot deny or drop coverage because of pre-existing conditions (22%)
Can get coverage without having a salaried job with benefits (18%)
Give me peace of mind that I can get the care I need (15%)

In open-ended section (N=308), respondents expressed other thoughts about ACA.

•

Some respondents hoped that “all of the above” would result
• A handful of respondents thought ACA didn’t go far enough, and hoped this was the
first step towards single payer or universal care.
• A small number of respondents said things like:
❖ They do not think the ACA is going to work
❖ They think the ACA will make health insurance more expensive
❖ Government will become too involved in this business
❖ They disagree with the government forcing them to pay for something they can't
afford or don't want.
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Open-ended thoughts
A final question asked if survey respondents had any other feeling about
health insurance. The responses fell into a number of broad categories:

• Existing system is too expensive

• New system is too complex

• Existing system is too complex

• Fear that new system will also be too
expensive

• Current plan doesn’t meet coverage
needs

• Keeping job to keep coverage
• Fear of illness

• Concerns that new plans won’t meet
treatment needs

• Confused by politics
• Think that the penalties are unfair

Quotes from respondents on these topics are included in report.

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Open-ended thoughts
A number of respondents talked about the specific needs of artists:
“As an artist, stability and employer-based insurance can be very hard to
come by, even when working the equivalent of full-time, or more.”
“When you're freelance, it's hard to determine true income when you submit
a form. Say you provide last year's tax return and you had a good year. But,
at the time you are applying, you aren't making that much money and so it
doesn't reflect your current income. It's hard to get people to understand
that.”
“It has been the biggest hardship of being a working artist. I don't regret my
decision to go out on my own, but had I known what costs were going to do
in the last 15 years I might have thought twice.”

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Top level takeaways
1. US-based artists are less likely to be insured than the general
population.
2. Those who do have health insurance are more likely to be paying
for an individual plan then than the general population.
3. Of uninsured respondents, the vast majority – 88% – cite they can’t
afford it/it’s too expensive as the primary reason they don’t have
it. When broken down by artistic discipline, this still remains the
dominant reason.

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Top level takeaways
A breakdown of insured versus uninsured respondents shows that
artists who are spending more time or deriving more income from art
are less likely to have health insurance.

•

Time: The more workweek hours spent on art, the less likely respondents
are to have health insurance.

•

Reliance on art for income: The more personal income derived from art,
the less likely the respondent is to have health insurance.

•

Household Income: The lower the household income, the less likely the
respondent is to have health insurance.

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Top level takeaways
When asked how well they understand the Affordable Care Act, the
majority of survey respondents – 55% – either “don’t understand it at
all” or are “unsure” about the ACA. 59% of musicians either “don’t
understand it” or are “unsure”.
When asked whether they will make changes with enactment of ACA,
73% of those who are insured are either going to keep their current
plan or shop on the state-based exchanges. However, 51% those
who are currently uninsured are “unsure” about what they will do.

Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
Next steps
The slides, plus an executive summary and report, are available at
http://futureofmusic.org/hcr.
FMC and AHIRC are part of a task force that has been organized to help
musicians and artists navigate these health care changes. Other task force
members include:
Musicares

Healthy Artists

Head Count

Sweet Relief

Young Invincibles

Southern Arizona Artists and
Musicians Healthcare Alliance

O+ Festival
Health Alliance for Austin Musicians

As a task force, we are sharing information and pulling together artistcentric resources. http://health.futureofmusic.org
Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013

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Artistsandhealthinsuranceresults100113

  • 1. Artists + health insurance survey Survey findings http://futureofmusic.org/hcr October 15, 2013 Artists’ Health Insurance Resource Center and Future of Music Coalition
  • 2. Artists and health insurance survey Online survey designed by Future of Music Coalition and the Artists’ Health Insurance Resource Center, a program of the Actors Fund. Information about the survey disseminated through a network of nearly 100 artist service organizations, associations, and state-based arts agencies. The goal of the survey was to gather information from artists of all types – dancers, theatre actors, visual artists, musicians, film/media artists – about whether they currently have health insurance, and whether they thought their health insurance status would change with the continued rollout of the Affordable Care Act. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 3. Prior research on health insurance and artists Future of Music Coalition has conducted two similar surveys in the past of US-based musicians and composers. • A 2002 survey found that, of the nearly 2,700 musician respondents, 44 percent did not have health insurance. Future of Music Coalition: Health Insurance and Musicians (2002) http://www.futureofmusic.org/article/research/health-insurance-and-musicians • A similar survey in 2010 found that, of 1,451 musician respondents, 33 percent did not have health insurance. Future of Music Coalition: Taking the Pulse: Survey on Health Insurance and Musicians (2010) http://www.futureofmusic.org/article/research/taking-pulse-survey-health-insurance-and-musicians Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 4. Ongoing work on health insurance and artists Since 1998, The Artists’ Health Insurance Resource Center (AHIRC) has helped artists everywhere get affordable, quality health insurance and health care. Created by The Actors Fund with a grant from The National Endowment for the Arts, AHIRC hosts a carefully researched, constantly updated and revised database of information about access to health care and insurance. AHIRC also conducts in-person counseling, national telephone support, and Getting and Keeping Health Insurance workshops at arts, cultural and human services organizations throughout the country. In 2005, FMC launched HINT — the Health Insurance Navigation Tool. FMC doesn’t offer plans or sell health insurance; HINT simply provides musicians with personalized advice about their health insurance options, for free. Future of Music Coalition: Get the HINT http://www.futureofmusic.org/hint/ Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 5. Data from the survey The following slides provide some top-level findings from the survey, which was completed by over 3,400 US-based artists. Executive summary and full report available at http://futureofmusic.org/hcr Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 6. Do you currently have health insurance? No 43% Yes 57% All respondents N=3402 43% of survey respondents do not currently have health insurance coverage. This is over twice the national average of about 18% of the non-elderly population. Kaiser Family Foundation. http://kff.org/other/state-indicator/nonelderly-0-64/ Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 7. Do you currently have health insurance? Percent insured by primary artistic discipline Yes No Dance (N=148) Film/Video/Media (N=235) Literary Arts (N=181) Music (N=1236) Theatre (N=349) Visual Arts (N=1155) Other (N=98) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Do you currently have health insurance? N=3402 Some variation among artistic disciplines, with musician respondents the least likely to be insured. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 8. Do you currently have health insurance? Percent insured by personal income derived from art Percent of personal income derived from art Yes No none 10% to 20% 30% to 40% 50% to 60% 70% to 80% 90% to 100% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Do you currently have health insurance? N=3363 Essentially, the more personal income derived from art, the less likely the respondent is to have health insurance. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 9. Do you currently have health insurance? Personal income derived from art + artistic discipline Percent insured by personal Film/media artists film/media artists income derived from art, for No Yes none Percent of personal income derived from art Percent of personal income derived from art Yes Percent insured by personal income derived from art, for musicians Musicians 10% to 20% 30% to 40% 50% to 60% 70% to 80% 90% to 100% 0% 10% 20% 30% 40% 50% 60% 70% Do you currently have health insurance? N=235 80% 90% 100% No none 10% to 20% 30% to 40% 50% to 60% 70% to 80% 90% to 100% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Do you currently have health insurance? N=1236 Likelihood of insurance varies a bit by art form and artistic discipline. Film/media/video artists are slightly more likely to be insured, even if they derive 90% or more of their income from art. However, for musicians, the more of their personal income they derive from their art, the less likely they are to be insured. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 10. Do you currently have health insurance? Personal income derived from art + artistic discipline Percent insured by personal income derived from art, for theatre artists Theatre artists No Yes none Percent of personal income derived from art Percent of personal income derived from art Yes Percent insured by personal Visual artists art, for visual artists income derived from 10% to 20% 30% to 40% 50% to 60% 70% to 80% 90% to 100% 0% 10% 20% 30% 40% 50% 60% 70% Do you currently have health insurance? N=349 80% 90% 100% No none 10% to 20% 30% to 40% 50% to 60% 70% to 80% 90% to 100% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Do you currently have health insurance? N=1155 Likelihood of insurance varies a bit by art form and artistic discipline. Theatre artists are slightly more likely to be insured, even if they derive 90% or more of their income from art. However, for visual artists, the more of their personal income they derive from their art, the less likely they are to be insured. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 11. Do you currently have health insurance? Percent insured by number of workweek hours spent on art Yes No 0 hours 1 to 19 hours 20 to 39 hours 40 to 59 hours 60 hours or more 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Do you currently have health insurance? N=3402 The more workweek hours spent on art, the less likely respondents are to have health insurance. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 12. Do you currently have health insurance? Percent of insured by age strata Yes No Less than 24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65 or older 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Do you currently have health insurance? N=3319 Existing policy may be influencing this chart. Those under 26 can remain on parent's plan, and those 65 or older are eligible for Medicare. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 13. Do you currently have health insurance? All survey respondents No 43% Yes 57% N=3402 “Full time” artists: those working 40+ hours/week on art *and* deriving 100% of income from art No 50% Yes 50% N=817 Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 14. Percent uninsured by age strata: survey respondents versus US Census data Survey Census 31% Less than 24 27% 51% 25 to 34 27% 46% 35 to 44 21% 43% 45 to 64 16% 7% 65 and older 2% 0% 10% 20% 30% 40% 50% 60% Compares uninsured survey respondents to US census data on uninsured by age strata https://www.census.gov/hhes/www/hlthins/data/incpovhlth/2012/Table7.pdf Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 15. Do you currently have health insurance? Percent insured by marital status Yes No Single (N=1289) Married (N=1281) Lifetime partner (N=284) Separated (N=33) Divorced (N=337) Widowed (N=56) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Do you currently have health insurance? N=3280 Respondents who are married or widowed most likely to be insured. Singles and separated or divorced the least likely. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 16. Do you currently have health insurance? Percent insured by number of children Yes No No children (N=2071) Any children (N=1192) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Do you currently have health insurance? N=3263 Respondents with any number of children slightly more likely to have health insurance. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 17. Do you currently have health insurance? Percent insured by household income Yes Less than $15,000 No 28% $15,000-$34,000 41% $35,000-$54,000 60% $55,000-$74,000 74% $75,000-$84,000 82% $85,000 or more 93% 59% Don't know 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Do you currently have health insurance? N=3207 The more household income, the more likely respondents are to have health insurance. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 18. Do you currently have health insurance? Percent insured by state (states with 100 or more respondents) Yes No Some differences by location. Artist respondents from TX were the least likely insured, while WA and IL – both states that currently offer lowincome insurance plans to residents – are more likely insured. This finding mirrors general state-based trends, as reported by Pew Research Center. CA (N=357) CO (N=136) FL (N=180) IL (N=469) NY (N=415) http://www.pewresearch.org/fact-tank/2013/09/19/ most-uninsured-americans-live-in-states-that-wontrun-their-own-obamacare-exchanges/ TN (N=131) TX (N=236) Respondents from MA – a state that already has mandatory coverage for residents – reported 89% insured, but with only 61 respondents, they did not meet the minimum threshold to include in this chart. WA (N=123) 0% 20% 40% 60% 80% 100% Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 19. 1% 2% 1% 1% 2% For those without health insurance, primary reason 1% 2% 1% 1% 2% 5% I can't afford it/it's too expensive 5% I don't qualify/I have a pre-existing condition It's a waste of money IIcan't afford it/it's too expensivecoverage don't know where to apply for 88% IIt's too confusing to a pre-existing condition don't qualify/I have apply for coverage It's a waste of money Don't know II'm not interested to apply for coverage don't know where 88%88% I can’t afford it/ it’s too expensive It's too confusing to apply for coverage Other reasons mentioned in open-ended section (N=166) A combination of the above, in particular, coverage is too •Don't know I'm not interested of pre-existing conditions costly because • Respondent doesn’t work enough hours to qualify for employer or union coverage • Some saying it's not worth the money Overwhelming reason why they don't currently have health insurance; they can’t afford it/it's too expensive. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 20. For those without health insurance, primary reason Percent of respondents who said they don't have health insurance because they "can't afford it" by artistic discipline Dance 90% 87% Film/Video/Media Literary Arts 92% Music 89% Theatre 89% Visual Arts 88% 77% Other 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100% Percent of uninsured respondents. N=1478 Same data cross-tabbed by artistic discipline. The overwhelming reason why they don't have health insurance remains that they can’t afford it/it's too expensive. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 21. For those with health insurance, who provides coverage? For those with health insurance, who provides coverage I pay for it myself/private insurance plan 39% 22% My employer Spouse's/partners's plan Other sources of coverage mentioned in open-ended section • State plans (MA, VT, WA, IL) • Association plan (AARP, Freelancers Union) • Continued care as a retirement benefit • Federal coverage for retired military or federal workers • Others mentioned a combination of plans, such as private insurance to supplement Medicare 17% 12% Medicare/Medicaid My parents 3% COBRA/state continuation 3% My union 2% My school 1% 0% The military 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% Respondents with health insurance. N=1927 Artist respondents more likely to be paying for own plan than general public. According to Kaiser Family Foundation, just 6% of general US population has individual coverage. Kaiser Family Foundation. http://kff.org/other/state-indicator/nonelderly-0-64/ Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 22. For those with health insurance, who provides coverage? For those with health insurance, who provides coverage Those working 40 or more hours a week on art I pay for it myself/private insurance plan 51% 16% Spouse's/partners's plan My employer 12% 11% Medicare/Medicaid My union 5% COBRA/state continuation 3% My parents 2% My school 1% 0% The military 0% 10% 20% 30% 40% 50% 60% Respondents who spend 40 or more hours a week on art with health insurance. N=657 Of the “full-time” artists – those working 40+ hrs/week on art – who currently have insurance, 51% are paying for it themselves/have an individual plan. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 23. For those with health insurance, biggest factors in choice of coverage For those with health insurance, biggest factors in choice of coverage Cost of plan 855 No choice: plan was chosen by employer/spouse's employer 595 Coverage of plan 591 Only plan I could get Other factors mentioned in open ended section (N=195) • Switched to Medicare automatically at age 65 • Best plan they could get (cost/options/preexisting conditions all a factor) • Only plan they could afford • No choice: plan chosen by parents • No choice: plan offered by state 391 Size of network 163 Ease in working with insurance company 125 0 100 200 300 400 500 600 700 800 900 Respondents with health insurance. More than one answer allowed. N=1927 Cost of plan is most dominant factor. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 24. For those with health insurance, cost of monthly premium For those with health insurance, cost of monthly premium Respondents with health insurance. N=1773 350 300 250 200 150 100 50 0 $0 $1 - $100 $101 $200 $201 $300 $301 $400 $401 $500 $501 $600 $601 $700 $701 $800 $801 $900 $901 $1000 more than $1000 I don't know Premium costs Monthly premium strata shows that majority of respondents with health insurance paying less than $400 a month. The average across all respondents who know their premium is $289 a month. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 25. For those with health insurance, cost of monthly premium and who pays 350 300 250 Military Union School 200 Parents Medicare/Medicaid 150 Covered by COBRA/state continuation Covered by spouse's/partners's plan 100 Employer Pay for it myself/private insurance plan 50 0 $0 $1 - $100 $101 $200 $201 $300 $301 $400 $401 $500 $501 $600 $601 $700 $701 $800 $801 $900 $901 $1000 more than $1000 I don't know Same data by who pays. For higher monthly premiums, respondents are more likely to be paying themselves Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 26. For those with health insurance, cost of monthly premium 1: me 2: me + spouse 3 or more 30% 25% 20% 15% 10% 5% 0% $0 $1 - $100 $101 $200 $201 $300 $301 $400 $401 $500 $501 $600 $601 $700 $701 $800 $801 $900 $901 $1000 more than $1000 This breaks down the monthly premium strata by the number of individuals covered by the plan. Individuals more likely to pay $0 to $200, whereas costs for those with a spouse or children are more spread out. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 27. Understanding of Affordable Care Act Understanding of Affordable Care Act I understand it very well I understand it somewhat I don't understand it at all I'm unsure 55% 8% 0% 38% 10% 20% 30% 26% 40% 50% 60% 29% 70% 80% 90% 100% Percent of respondents. N=3380 When asked whether they understand how the ACA will impact them or their families, 55% of respondents either said they “don’t understand it at all” or “I’m unsure”. A recent poll by Pew Research Center/USA Today found a similar lack of understanding among the general population, with 34% saying they “didn’t understand at all” how the ACA would affect them. Pew Research Center. http://www.people-press.org/files/legacy-pdf/9-16-13%20Health%20Care%20Release.pdf Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 28. Understanding of Affordable Care Act Understanding of Affordable Care Act by artistic discipline I understand it very well I understand it somewhat I don't understand it at all Dance 56% Film/Video/Media 53% Literary Arts 44% Music 59% Theatre 50% Visual Arts 53% Other I'm unsure 62% 0% 10% 20% 30% 40% 50% 60% 70% Percent who “don’t understand” or who are “unsure” 80% 90% 100% Percent of respondents. N=3380 Looking at the same data by artistic discipline, when asked whether they understand how the ACA will impact them or their families, a majority of respondents all but one discipline say they “don’t understand it at all” or are “unsure”. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 29. Make changes to health insurance coverage because of Affordable Care Act? Make changes to health insurance coverage because of Affordable Care Act? Currently insured and will continue with this coverage Will shop on the state-based exchanges for an affordable plan Will apply for Medicaid Will remain uninsured and pay the penalty I'm not sure 27% 0% 10% 29% 20% 30% 40% 4% 3% 50% 60% 37% 70% 80% 90% 100% Percent of respondents. N=3222 More than a third of respondents are “unsure” about what they will do with continued rollout of ACA in fall 2013. Again, artists are not unlike the general US population, which reports widespread confusion about the policy, some disagreement with law in general, and a lack of practical experience with to-be-launched insurance exchanges. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 30. Make changes to health insurance coverage because of Affordable Care Act? Currently insured and will continue with this coverage Will shop on the state-based exchanges for an affordable plan Will apply for Medicaid Will remain uninsured and pay the penalty I'm not sure Dance (N=144) Film/Video/Media (N=244) Literary Arts (N=172) Music (N=1169) Theatre (N=330) Visual Arts (N=1090) Other (N=93) 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Percent of respondents. N=3222 Film/media artists and musicians are most “unsure” about response to ACA. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 31. Make changes to health insurance coverage because of coverage because of Affordable Care Act? Make changes to health insuranceAffordable Care Act? Currently insured and will continue with this coverage Will shop on the state-based exchanges for an affordable plan Will apply for Medicaid Will remain uninsured and pay the penalty I'm not sure Currently has insurance Uninsured 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Percent of respondents. N=3222 Greater ambivalence is reported by respondents who currently don’t have insurance. Again, this is to be expected, given the lack of experience with the just-launched exchanges. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 32. Make changes to health insurance coverage because of Affordable Care Act? Make changes to health insurance coverage because of Affordable Care Act? Currently has insurance Uninsured * Currently insured and will continue with this coverage Will shop on the state-based exchanges for an affordable plan Will apply for Medicaid Will remain uninsured and pay the penalty I'm not sure 0 200 400 600 800 1000 1200 Number of respondents. N=3222 37% “unsure” includes nearly 500 respondents who currently have health insurance. We suspect these responses (*), which reflect a counter-factual position based on earlier answers, are respondents who didn’t read the question properly. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 33. Most important potential outcome of Affordable Care Act Most important potential outcome of Affordable Care Act 1245 Make health insurance more affordable Providers cannot deny or drop coverage because of pre-existing conditions Other answers mentioned in open ended section (N=308) • All of the above, or a combination of above, are important • None of the above: the only solution is single payer • Affordable health care for all Americans • Do not think the ACA is going to work • ACA will make health insurance more expensive • Government will become too involved in this business • Disagree with the government forcing them to pay for something they can't afford or don't want 675 556 Can get coverage without having a salaried job with benefits 458 Give me peace of mind that I can get the care I need 60 Can comparison shop for a plan based on listed price and features Make health insurance easier to understand 32 Make routine checkups and flu shots free 31 Eliminate lifetime limits on insurance payouts 21 Can move to a different state and still get coverage 21 Make health insurance claims less complicated/paperwork driven 20 Widen the network of doctors and specialists I can see 14 0 200 400 600 800 1000 1200 1400 Number of respondents. N=3133 Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 34. Most important potential outcome of Affordable Care Act Of available survey answers, the most common answers were: • • • • Make health insurance more affordable (40%) Providers cannot deny or drop coverage because of pre-existing conditions (22%) Can get coverage without having a salaried job with benefits (18%) Give me peace of mind that I can get the care I need (15%) In open-ended section (N=308), respondents expressed other thoughts about ACA. • Some respondents hoped that “all of the above” would result • A handful of respondents thought ACA didn’t go far enough, and hoped this was the first step towards single payer or universal care. • A small number of respondents said things like: ❖ They do not think the ACA is going to work ❖ They think the ACA will make health insurance more expensive ❖ Government will become too involved in this business ❖ They disagree with the government forcing them to pay for something they can't afford or don't want. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 35. Open-ended thoughts A final question asked if survey respondents had any other feeling about health insurance. The responses fell into a number of broad categories: • Existing system is too expensive • New system is too complex • Existing system is too complex • Fear that new system will also be too expensive • Current plan doesn’t meet coverage needs • Keeping job to keep coverage • Fear of illness • Concerns that new plans won’t meet treatment needs • Confused by politics • Think that the penalties are unfair Quotes from respondents on these topics are included in report. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 36. Open-ended thoughts A number of respondents talked about the specific needs of artists: “As an artist, stability and employer-based insurance can be very hard to come by, even when working the equivalent of full-time, or more.” “When you're freelance, it's hard to determine true income when you submit a form. Say you provide last year's tax return and you had a good year. But, at the time you are applying, you aren't making that much money and so it doesn't reflect your current income. It's hard to get people to understand that.” “It has been the biggest hardship of being a working artist. I don't regret my decision to go out on my own, but had I known what costs were going to do in the last 15 years I might have thought twice.” Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 37. Top level takeaways 1. US-based artists are less likely to be insured than the general population. 2. Those who do have health insurance are more likely to be paying for an individual plan then than the general population. 3. Of uninsured respondents, the vast majority – 88% – cite they can’t afford it/it’s too expensive as the primary reason they don’t have it. When broken down by artistic discipline, this still remains the dominant reason. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 38. Top level takeaways A breakdown of insured versus uninsured respondents shows that artists who are spending more time or deriving more income from art are less likely to have health insurance. • Time: The more workweek hours spent on art, the less likely respondents are to have health insurance. • Reliance on art for income: The more personal income derived from art, the less likely the respondent is to have health insurance. • Household Income: The lower the household income, the less likely the respondent is to have health insurance. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 39. Top level takeaways When asked how well they understand the Affordable Care Act, the majority of survey respondents – 55% – either “don’t understand it at all” or are “unsure” about the ACA. 59% of musicians either “don’t understand it” or are “unsure”. When asked whether they will make changes with enactment of ACA, 73% of those who are insured are either going to keep their current plan or shop on the state-based exchanges. However, 51% those who are currently uninsured are “unsure” about what they will do. Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013
  • 40. Next steps The slides, plus an executive summary and report, are available at http://futureofmusic.org/hcr. FMC and AHIRC are part of a task force that has been organized to help musicians and artists navigate these health care changes. Other task force members include: Musicares Healthy Artists Head Count Sweet Relief Young Invincibles Southern Arizona Artists and Musicians Healthcare Alliance O+ Festival Health Alliance for Austin Musicians As a task force, we are sharing information and pulling together artistcentric resources. http://health.futureofmusic.org Online survey conducted by Future of Music Coalition and Actors’ Fund Artists Health Insurance Resource Center, July 15 - August 31, 2013