But as
Obamacare begins to kick in, artists, photographers, writers, and other
members of the “creative class” who have access to health insurance
programs through numerous professional organizations will lose that
coverage.
Up until now professional organizations have worked with
insurance providers to craft reduced-rate plans for their members. But
thanks to the fine print in the Patient Protection and Affordable Care
Act (PPACA), on January 1, 2014, many of these plans will fail to pass
legal muster.
The College Art Association website posted a notice this
month: “The New York Life Insurance Company recently informed CAA that
it will no longer offer catastrophic healthcare coverage previously
available to CAA members.” Why? Because it “is no longer an option” for
“associations whose members reside in different states” to provide such
coverage. These members will have to seek help from their home states’
newly formed Obamacare exchanges. Plans offered to Modern Language
Association (MLA) members will suffer a similar fate.
Other insurance providers are reporting cancellations. The
Entertainment Industry Group Insurance Trust (TEIGIT) website posts the
following notice: “All individual and/or Sole Proprietor Health
Insurance will terminate January 1, 2014. This includes plans acquired
as Members of our Affiliated Associations & their groups.” Those
affiliated associations include the American Federation of Television
and Radio Artists, the Dramatists Guild, the Graphic Arts Guild, NY
Women in Film and Television, and many others.
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