Health Insurance


The AHIRC Directory

The Artists' Health Insurance Resource Center (AHIRC) is a project of The Actors Fund. It is a source of up-to-date, comprehensive, and unbiased health care resources for artists, performers, freelancers, and the self-employed. Here you can find information about health insurance options in your own state, alternative health care information, and will have information to guide you through the changes in health insurance that will begin in 2014 as a result of health care reform legislation.

Online Resources for the Affordable Care Act (Obamacare)

Value Penguin comparison of Affordable Care Act (Obamacare) Exchange Health Plans: Enter your state and county, annual income level, and whether or not you smoke and find out what your policy options are and their cost before and after subsidies.

Step by Step Video guide through online enrollment: A video from walks you through the entire ACA enrollment process.

Subsidy Calculator: Find out if you qualify for a health insurance subsidy and estimate how much.

Links to CERF+ Resources on Health Care

Affordable Care Act: What it Means for You by Jim Brown, Director of Health Services, Actors Fund is the lead article of the August, 2013 issue of CERF+ News summarizes the provisions of the Affordable Care Act (Obamacare) when it was enacted, and what it means for artists.

How Getting Covered Is Getting Better: An Artist’s Guide to Health Insurance and Health Care Reform by Jim Brown (of AHIRC) from the February 2012 issue of CERF+ News has the basics on coming changes in the US health care system and current options for health insurance and health care.

Health Insurance for the Creative Community a page of links from a workshop Jim Brown of the Artist's Health Insurance Resource Center conducted in Nashville, TN in November, 2011. The page includes Jim's Powerpoint slides.


Healthcare Blue Book

People without health insurance often pay the highest rates for medical care.  Whether or not you have health insurance you can shop for the best prices on procedures, and negotiate your hospital charges and doctors' fees.  The Healthcare Blue Book can help you determine what are reasonable charges for procedures and has tips on how to negotiate your medical fees.  The site will generate printable contracts to get your doctors and facilities to sign with Healthcare Blue Book prices. Shopping around and negotiating can be essential for individuals without health insurance, and can result in significant savings for those with high-deductible insurance plans.

More About Insurance

Risk Management

Risk management is critical to running your business safely and responsibly.

Homeowners Insurance

Homeowners’ insurance rarely covers property used for business purposes.

Business Insurance

Acquiring affordable business owner’s insurance that adequately covers your biggest potential risks is a process that takes some time and effort on your part, but the resulting security is worth it.

Disaster Insurance

Neither a business insurance policy nor a homeowners’ insurance policy provide protection against earthquake or flood (defined as rising water − as opposed to water coming in from above, like a leaky roof).

Flood Insurance

Flooding is excluded by most business, homeowners, and renters policies. Flood insurance is available through the National Flood Insurance Program.

Studio Inventory

Explains the importance of a studio inventory, the different kinds of inventories for an artist, and some ways to create an inventory record and keep it up to date.

Insurance Resources

Insurance Resources

Business Insurance Plans

A compilation of business insurance plans for artists.

Health Insurance

Health Insurance information for artists