#FemaleFilmmakerFriday – Health Insurance for Actors, Writers, Creatives

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Hello! Welcome back to another Female Filmmaker Friday where we talk about The Industry. My name is Kate Hackett and I’m an actor/writer/producer here in LA. If you are new, please subscribe & consider becoming a Patron! Big thanks to my patron Steph for this question…

Today we’re going to talk about something terribly practical – and very important. Health insurance.

Where do actors get health insurance. We’re really only going to focus on the US for this, so if you’re in another country… I don’t know, leave a comment laughing at us. Open enrollment on the US marketplace begins VERY SOON: November 1, 2019 to December 15, 2019.

It’s a little bit of a myth that the union provides insurance for all — and we have a couple of different unions so when I say The Union, I mean SAG. SAG does not just automatically give us insurance; we have to meet a monetary threshold that’s actually pretty high. As of 2019, to meet Plan II (the cheapest)’s earning threshold, you have to make 17340 covered earnings in a base earning period. That gives you just one year of insurance. Then you have to meet your qualification again. And again. And again. Plan I requires over 33,000. For both, you still have to pay a premium (but it’s pretty dang low).

That’s pretty hard, especially with commercials in the state they’re in, and it’s really really hard to make sure you’re consistent. Some actors supplement commercial income with extra work to make their earning threshold. It’s hard. You’re also always in danger of losing it. These insurance programs are funded by your producers and negotiated with their guild, so there’s not a lot of give on them. The WGA functions similarly.

Actor’s Equity, another union that focuses on theater, requires at least 11 weeks of Equity covered employment within a year to qualify for 6 months of coverage. 19 or more gets you 1 year.

Before the Affordable Care Act, that was it; that or a full time job or you just ride along without insurance like some kind of maniac.

This has nothing to do with health insurance – for actors or otherwise.

Today, however, a lot of us navigate the state marketplace for our health insurance. For Californians, like me, that’s CoveredCalifornia.com. Your state may be different; you can visit here to figure out what your state offers. From there, you can see if you qualify for assistance and pick up insurance plans.

You can also go outside the marketplace and pick up insurance on your own, which might be your best bet if you don’t qualify for subsidies. You can buy via an insurance company directly, just visit their website and see what plans are available. You could also use a local broker; you do not pay any more for the broker. They’re paid by the insurance company. There are also several online insurance sellers that offer plans from different companies. I’d definitely recommend looking into all three options if you have to go it alone.

Insurance can be pricey – expect to pay 200 to 300 a month in premiums to have decent RX care. There are other plans that are cheaper, but take GOOD stock of how often you use your insurance. For example, a high deductible makes NO sense for me personally because I’ll very quickly spend more than what the insurance is worth. You should do the math and map out where your break even point is. If you aren’t sure how to do that, definitely chat with a broker.

There’s a little bit more leg work when you have to hunt for your own insurance, but it’s not impossible and there are definitely people out there who can help.

Need more help? Visit the ActorsFund.org for more individualized and guided assistance.

Writer’s Wednesday: Very Early Prewriting

Posted Posted in Patron Producer Tier, Patron Scripts, Patron Writer Tier, Unicorn
Hey gang! Everything is in such early stages right now it’s not at all “polished”. In fact, what I’m sharing is not even remotely anything … but I figured you’d like to see how things start to take shape. If they take shape. You know. So without further ado, this is the text of a […]
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Table Read: Crookneck Hollow

Posted Posted in Patron Behind the Scenes Tier, Patron Beta Tester Tier, Patron Produced Videos, Patron Producer Tier, Patron Scripts, Patron Welcome Aboard Tier, Patron Writer Tier, Unicorn
I got my friends together to host a table read of Crookneck Hollow, a new short by Kris Simonian. This is our first read of the pilot and we were all really excited about it — I just hope we can find money to make it! Currently this is locked for Patrons of any level. […]

#FemaleFilmmakerFriday Self Care for Actors, Writers, and Artists 💆🎬

Posted Leave a commentPosted in Female Filmmaker Friday, Uncategorized

Ever wonder what kind of self care is BEST for artists? For actors and writers? Come hang out this #FemaleFilmmakerFriday and let me know in the comments what YOU love to do to recharge your creative well!

» Join the filmmaking community at https://katehackett.com/patronage » The music we use: https://www.joshwoodward.com » Gear I use: https://katehackett.com/gear FREE PDFs » Production Checklist Cheat-sheet: http://eepurl.com/gf7Z25 For more #filmmaking tips, visit www.katehackett.com/blog STAY CONNECTED » Instagram: https://www.instagram.com/hackettkate/ » Twitter: https://www.twitter.com/in/HackettKate/ » Facebook: https://www.facebook.com/actresskateh… » Pinterest: https://www.pinterest.com/hackettkate/ » Patreon: https://www.patreon.com/katehackett » Stock footage provided by Videvo

#FemaleFilmmakerFriday How to… Make a Writer Website ✍️

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Today’s #FemaleFilmmakerFriday… we’re talking all about how to make an effective, useful writer website. ✍️✍️✍️✍️ Come find some writer tips & tricks and let us know what you want to see next!

» Join the filmmaking community at https://katehackett.com/patronage » The music we use: https://www.joshwoodward.com » Gear I use: https://katehackett.com/gear FREE PDFs » Production Checklist Cheat-sheet: http://eepurl.com/gf7Z25 For more #filmmaking tips, visit www.katehackett.com/blog STAY CONNECTED » Instagram: https://www.instagram.com/hackettkate/ » Twitter: https://www.twitter.com/in/HackettKate/ » Facebook: https://www.facebook.com/actresskateh… » Pinterest: https://www.pinterest.com/hackettkate/ » Patreon: https://www.patreon.com/katehackett » Stock footage provided by Videvo

August 2019 Update!

Posted Posted in Patron Behind the Scenes Tier, Patron Beta Tester Tier, Patron Photos, Patron Producer Tier, Patron Welcome Aboard Tier, Patron Writer Tier, Unicorn
This post is locked to Patrons of any level! If you are curious about what I was up to this month OR what's coming in September... join now and get access to E-V-E-R-Y-T-H-I-N-G!

#FemaleFilmmakerFriday – What REALLY Makes a Good Day Job? | Flexible jobs with good pay?

Posted Leave a commentPosted in Female Filmmaker Friday, Uncategorized

Probably the best kept secret about being a creative is how to find flexible jobs with great pay. So what do you REALLY need in a day job? I outline seven must have items to help you land that sweet gig as we go behind the scenes in an LA actor’s life!

» Join the filmmaking community at https://katehackett.com/patronage » The music we use: https://www.joshwoodward.com » Gear I use: https://katehackett.com/gear FREE PDFs » Production Checklist Cheat-sheet: http://eepurl.com/gf7Z25 For more #filmmaking tips, visit www.katehackett.com/blog STAY CONNECTED » Instagram: https://www.instagram.com/hackettkate/ » Twitter: https://www.twitter.com/in/HackettKate/ » Facebook: https://www.facebook.com/actresskateh… » Pinterest: https://www.pinterest.com/hackettkate/ » Patreon: https://www.patreon.com/katehackett » Stock footage provided by Videvo

#FemaleFilmmakerFriday – STOP! Audition RED FLAGS ⛔🚨🎭Watch out for these auditions!

Posted Leave a commentPosted in Female Filmmaker Friday, Uncategorized

Auditions can be great — a wonderful way to meet new people and make friends in the industry. But they can also be very, very terrible so I wanted to give you some red flags I personally look for before auditioning.

» Join the filmmaking community at https://katehackett.com/patronage » The music we use: https://www.joshwoodward.com » Gear I use: https://katehackett.com/gear FREE PDFs » Production Checklist Cheat-sheet: http://eepurl.com/gf7Z25 For more #filmmaking tips, visit www.katehackett.com/blog STAY CONNECTED » Instagram: https://www.instagram.com/hackettkate/ » Twitter: https://www.twitter.com/in/HackettKate/ » Facebook: https://www.facebook.com/actresskateh… » Pinterest: https://www.pinterest.com/hackettkate/ » Patreon: https://www.patreon.com/katehackett » Stock footage provided by Videvo

Hangout Day!

Posted Posted in Patron Welcome Aboard Tier
Back to Sunday — phew. August 25 @ 11:30 for the group, one on ones after!Make sure you’ve joined the proper discord channel by visiting this one first and letting me know your tier: https://discord.gg/5zrpz9T Share this: Click to email this to a friend (Opens in new window) Click to share on Twitter (Opens in […]

#FemaleFilmmakerFriday – Writer’s Workshop Exclusive: The Show Bible

Posted Posted in Female Filmmaker Friday, Patron Producer Tier, Patron Writer Tier, Unicorn, Writing
This post is locked to Patrons at the writer’s tier and above. If you’d like to join us, please visit katehackett.com/patronage! Patrons get a run down of what the bible IS and a look at the document for The Dog Park. The. Show. Bible. You guys might remember that I was busting my balls to […]
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