"Steady ACA coverage even when projects stalled. The PPO travels with me to every state I shoot in — it just works."
Carla J.
Costume designer · Atlanta, GA
REEL 04HMU + COSTUME — DEPT HEADS · ARTISTS
Health insurance for hair, makeup & costume.
Coverage for department heads and freelance artists who carry their own kit between productions, fittings, and runway weeks.
SCENE 01 — WHY
Why coverage hits different for hair, makeup & costume.
POINT 01
Long days, chemicals, repetitive strain
Lacquer fumes, dyes, hot tools, hand-stitching — the cumulative wear is real. Plans we recommend include strong dermatology, allergy, and orthopedic networks.
POINT 02
Family + dependent coverage that scales
If your spouse or kids need coverage too, ACA plans let you cover everyone on one policy with subsidies based on household income.
POINT 03
Schedule C deductions on premiums and kit
Filing 1099 income? Premiums are generally deductible above the line, and we'll point you to a CPA who knows production write-offs for kit, supplies, and continuing education.
POINT 04
Coverage that follows you to fittings & runway
Splitting time between film/TV and fashion week? National PPO networks honor in-network rates across cities, so a New York fitting doesn't blow your deductible math.
SCENE 02 — COVERAGE
Plan types built for this role.
REEL 01
ACA marketplace
The default for most freelance HMU and costume artists. Subsidies scale with projected income.
See coverage
REEL 02
Dental + vision pairing
Often overlooked but underused — dental and vision riders are cheap on the marketplace and pay for themselves quickly.
See coverage
REEL 03
Family ACA
Cover a partner and kids on the same policy with household-level subsidies.
See coverage
SCENE 03 — STORIES
From the set, in their words.
"They paired me with a plan that covered my dermatologist and modeled the Schedule C deduction. Whole thing took 30 minutes."
Sofia M.
Key Makeup Artist · Los Angeles, CA
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 multiple production employers in a year — what coverage works?
SCENE 01
I'm 1099 with multiple production employers in a year — what coverage works?
ACA marketplace coverage doesn't care how many 1099s you receive. It only cares about projected annual income, which determines your subsidy. We help you project it correctly.
SCENE 02Does dermatology really matter in plan choice?
SCENE 02
Does dermatology really matter in plan choice?
If you're handling chemicals and adhesives all day, yes. We can filter for plans with strong dermatology networks in your city and check that your existing derm is in-network before you enroll.
SCENE 03Can I deduct my kit on the same return as my premiums?
SCENE 03
Can I deduct my kit on the same return as my premiums?
Yes — kit and supplies are typically deductible as business expenses on Schedule C, while premiums are deducted above the line. Different lines, both legitimate. We'll point you to a production-savvy CPA.
SCENE 04What about Local 706 / 829 union health?
SCENE 04
What about Local 706 / 829 union health?
If you qualify, union health is usually the better deal. Most artists pair union health with an ACA plan to bridge non-qualifying quarters. We model both.
SCENE 06 — OTHER ROLES