"They modeled S-corp vs sole-prop coverage and showed me the small-group plan saved about $4,400/yr once I had two crew on payroll."
Owen R.
Line Producer · Brooklyn, NY
REEL 06PRODUCERS — LINE · INDIE · COMMERCIAL
Health insurance for independent producers.
Personal coverage that travels between projects, plus small-business options when you employ your own crew. Built for line producers, indie filmmakers, and commercial producers.
SCENE 01 — WHY
Why coverage hits different for independent producers.
POINT 01
Self-coverage that bridges projects
ACA marketplace coverage is continuous — it doesn't lapse between productions. Subsidies scale with projected annual income, which fits the producer's lumpy pay calendar.
POINT 02
Small-business coverage when you have W-2 staff
If you operate as an S-corp or LLC with employees on payroll, small-group plans become an option — and may be the better tax move. We model both paths.
POINT 03
Multi-state and travel coverage that holds up
National PPO networks honor in-network rates wherever you scout, prep, and shoot. Critical when you're prepping in NY and shooting in NM the same month.
POINT 04
Premiums deductible above the line
Self-employed health insurance premiums are generally deductible above the line for sole proprietors and single-member LLCs. Different math if you're an S-corp — we walk you through it.
SCENE 02 — COVERAGE
Plan types built for this role.
REEL 01
ACA marketplace (personal)
Default for solo producers and indie filmmakers. Subsidies based on projected income.
See coverage
REEL 02
Small-business group coverage
When you employ your own crew. Group plans can lower per-head cost and unlock different tax treatment.
See coverage
REEL 03
Family ACA
Cover a spouse and kids on the same household-subsidized policy.
See coverage
SCENE 03 — STORIES
From the set, in their words.
"Personal ACA with a national PPO. Held up through prep in LA and a 22-day shoot in Georgia without a single out-of-network surprise."
Hana K.
Indie Producer / Director · 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 01S-corp owner — should I pay myself a W-2 and put insurance on the business?
SCENE 01
S-corp owner — should I pay myself a W-2 and put insurance on the business?
Often yes, but the math depends on income, state, and family size. We model both scenarios with your actual numbers before you commit.
SCENE 02When does small-group coverage make sense vs. personal ACA?
SCENE 02
When does small-group coverage make sense vs. personal ACA?
When you have at least 2 W-2 employees (the threshold varies by state), small-group can unlock lower per-employee premiums and tax-advantaged structures. Solo producers almost always stay on personal ACA.
SCENE 03Do I have to offer coverage to my crew?
SCENE 03
Do I have to offer coverage to my crew?
Only at 50+ full-time-equivalent W-2 employees (the ACA employer mandate). Most indie productions are nowhere near that, but offering coverage can help retention on longer-running shows.
SCENE 04Can the production company deduct premiums?
SCENE 04
Can the production company deduct premiums?
Yes, in most setups. The exact mechanism varies — personal Schedule C deduction, S-corp owner W-2 inclusion, or group plan as a business expense. A production-savvy CPA closes the loop; we connect you.
SCENE 06 — OTHER ROLES