"Six months between bookings and Scene One kept my premium subsidies adjusted the whole way. Zero gap in coverage."
Marisa K.
Stage & film actor · New York, NY
REEL 01WORKING ACTORS — FILM · TV · THEATER
Health insurance for working actors.
ACA marketplace plans built for audition seasons, indie bookings, and the gap between gigs. Coverage that doesn't disappear when a production wraps.
SCENE 01 — WHY
Why coverage hits different for working actors.
POINT 01
Income that swings with the booking calendar
Subsidies on the ACA marketplace are based on projected annual income — perfect for actors with variable gig pay. We model your subsidy as you go and help you update it mid-year when bookings change.
POINT 02
Mental health & therapy on every plan
Audition rejection is its own job hazard. Every ACA-compliant plan we surface includes therapy, psychiatry, and telehealth. We can filter to plans with strong behavioral health networks in your city.
POINT 03
SAG-AFTRA Health vs. ACA — modeled side by side
If you hit SAG-AFTRA earnings minimums, you may qualify for union health. Most working actors pair union or pension coverage with an ACA plan to fill the gaps in qualifying quarters. We show you both.
POINT 04
Coverage that travels between locations
Booked in another state for six weeks? PPO and national-network EPO plans honor in-network rates across multiple states. We filter for plans that work where you actually shoot, audition, and live.
SCENE 02 — COVERAGE
Plan types built for this role.
REEL 01
ACA marketplace (with subsidies)
The default for most 1099 actors. Premium tax credits scale with projected income — typical working actors qualify for substantial subsidies.
See coverage
REEL 02
Family ACA + dependents
Cover a partner, kids, or dependents on the same ACA plan with subsidies that scale to household income.
See coverage
REEL 03
Supplemental accident & dental
Add cash-pay accident coverage for stunts and physical roles, plus dental for headshot-ready maintenance.
See coverage
SCENE 03 — STORIES
From the set, in their words.
"They modeled SAG vs ACA side by side and showed me exactly when to switch. Saved me about $1,800 last year."
Tomás R.
Indie film + commercial · Austin, TX
RUN-TIME / 00:02:00
Get your free quote.
Seven quick fields. Licensed advisor follows up within 24 hours — no spam.
SCENE 05 — FAQ
Set FAQs.
SCENE 01I'm 1099 with no W-2 — does that disqualify me?
SCENE 01
I'm 1099 with no W-2 — does that disqualify me?
Not at all. The ACA marketplace was built for self-employed and gig workers. Bring a reasonable projection of annual income (production fees + residuals + day-rate work) and we'll calculate the subsidy.
SCENE 02Can I deduct my premiums against production income?
SCENE 02
Can I deduct my premiums against production income?
Self-employed health insurance is generally deductible above the line on Schedule C if you're filing as a sole proprietor or single-member LLC. We model the deduction before you enroll so you see net cost, not gross premium.
SCENE 03What if I qualify for SAG-AFTRA Health mid-year?
SCENE 03
What if I qualify for SAG-AFTRA Health mid-year?
You can usually drop ACA coverage when union health kicks in (it counts as a qualifying life event). We help you time the transition so there's no gap or double premium.
SCENE 04I shoot in three states next year. PPO or HMO?
SCENE 04
I shoot in three states next year. PPO or HMO?
PPO almost always — HMOs typically only honor in-network rates in one service area. National-network PPOs from carriers like Aetna, Cigna, and BCBS multi-state are usually the right call for traveling performers.
SCENE 05Will I lose my therapist if I switch carriers?
SCENE 05
Will I lose my therapist if I switch carriers?
Only if they're out of network on the new plan. We check each plan against your existing providers before you enroll — including therapists, psychiatrists, and PCPs.
SCENE 06 — OTHER ROLES