The Hazards of Being a Musician Without Health Insurance

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What do the more responsible touring musicians use for medical care? What kind of plan is best for covering illnesses and hospitalizations for the road, and at home? In what ways can a musician make informed choices about coverage and cost effectiveness?

See also: Ask Fan Landers: Will My Band Always Be Broke?

Dearest Todd,

Insurance is, unfortunately, a luxury for the majority of artist, musicians, and DIY music biz workers as it is for many low-income people in America. Being a sole-proprietor, freelance or contract worker--as many working musicians are--means buying private insurance, which given the cost and the ebb-and-flow nature of freelance income can be downright prohibitive, which may explain why musicians are uninsured at twice the rate of the rest of America.

You are right to be concerned about coverage for the road. Aside from being in a vehicle 12 hours a day, there's the moving of heavy equipment, repetitive stress injuries, smoky bars, getting nodes on your vocal cords, being in close proximity to scary wasted people who want to fight. There are the perdurable lesser issues of punishing your immune system with not enough sleep and gnarly road food, STDs from tour strange, allergies when you invariably have to stay with those people whose house is shrouded in dog hair. (Two of the more serious injuries I've had happened on tour--I got cornea abrasions on both eyes from a sleeping bag zipper in the van loft, and re-broke my tailbone in Berlin.)

Weighing the risk of injury against the cost is only natural, but it's a bad idea. You need insurance. By law, we are all about to have to have it come 2014, so start researching now. I know for a lot of musicians, coming up with an extra money every month for insurance might force you to get a day job, and forget about touring all together. The fact that the uninsured musicians I know get by on a luck, vitamins, free clinics, purloining their dog's leftover Amoxicillin 'scrip, or rounding up a few spare painkillers from friends speaks to the dire reality of the uninsured musician.

I reached out to Alex Maiolo, who is a musician and a health insurance consultant for the Future of Music Coalition, and he had some specific advice: "Insure for the worst case scenario." Maiolo suggests that young, healthy musicians without families get plans with higher deductibles, because what you want is a stop loss for catastrophic and emergency situations. "It's going to be easier for musicians to come up with the $5,000 deductible payment via benefit concerts, " says Maiolo, "rather than half a million dollars for uninsured treatment after the fact."

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That's a great article. What about that age-based levy? That's why I made sure my husband and I had hospital cover. Sorry, I can't remember the name of it, but basically if you don't take out private health cover before you turn 30, the insurers can start loading the premiums if you join up when you're older.



Dear Todd, there's drawbacks to all plans, especially high-deductible plans, that aren't detailed at all here, in favor of listing out risks that everyone knows about. Very weird.  The insurance landscape is changing very fast and you should really ask somebody who knows a whole lot more.    There are a lot of questions to ask yourself- none of them are brought up here.  Some of the resources listed are okay, but skip this dizzy commentary.  

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