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Demystification
The facts behind creative work.
- Most artists already had health insurance, so the work ahead is turning coverage into care.
- Health coverage is priced on a yearly income estimate, and 59% of self-employed people see their income change from month to month.
- Coverage becomes care when people can afford to use it, and half of year-round marketplace enrollees are underinsured.
- A group health plan needs employees, and under federal benefits law a business of one has none.
- Nashville’s creative workers bring in $3.56 billion a year, and the opportunity is in managing and organizing it.
- 65 of every 100 Nashville creative workers operate on their own, more than three times the national share.
- Insurance is the start: music workers with coverage still weigh the deductible before they use it.
- The self-employed health insurance deduction lowers income tax, and the 15.3% self-employment tax stays the same.
- Music workers name money as a source of anxiety and depression, and MusiCares calls for a financial safety net.