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President Obama won an almost year long battle on Sunday when the House voted 219-212 in favor of passing his health care reform policy. On Tuesday, Obama signed the overhaul bill into law.

The law has been described as “the most sweeping social legislation enacted in decades” by the NYT, “biggest expansion of federal health care guarantees in more than four decades” by CNN and the “culmination of a yearlong struggle with Congress to make good on the central issue of his administration’s domestic policy agenda” by NPR.

Whether you agree or disagree with Obama’s policies, it is important to know how this bill will affect you. Here are eight ways that the Health Care Reform could affect you as an independent artist:

1. Reform will expand young adults’ coverage through their parents’ plan until you are 26.

If you are an artist just starting out, you are probably broke (just a guess). This will give you a few more years to get your finances together before you have to worry about finding your own policy.

Picture from sallylondon on Flickr


2. Reform will eliminate discrimination based on pre-existing conditions or medical history.

If you haven’t been able to get coverage because of a pre-existing condition, a ban on discrimination for adults will take effect in 2014. Additionally, a pool will be set up for high risk adults to get coverage until 2014. For those of you that have a child with a pre-existing condition, a ban on discrimination for children will take effect immediately.

3. Small businesses (fewer than 50 employees) will receive tax credits to help pay for their employees premiums.

If you work a second (or third) job to help pay the bills, you will now have a higher probability of being able to receive coverage from your employer.

4. Reform will prevent insurance companies from placing annual or lifetime caps on the coverage you receive.

This is especially important for individuals, both children or adults, with chronic conditions that will require lifetime medical support. Lifetime caps will be banned immediately and annual caps will be reduced until 2014, when they will be banned as well.

5. All new insurance plans will include preventative care and doctor checkups without a co-pay.

Also, reform will require plans to cover basic pediatric services, as well as dental, vision, and hearing needs for children.

Picture by mtsofan on Flickr

6. Reform will prohibit insurance companies from dropping individuals that become seriously ill.

7. If you are uninsured because you are unemployed or cannot afford health insurance, you’ll soon (by 2014) be able to find affordable coverage through federal subsidies or Medicaid.

Subsidies will be based on income. Individuals that choose to live without health insurance will face a fine of 2.5% of their income, up to $2085.

8. For artists or other individuals that are self-employed and buy their own individual or family plans, premiums could be up to 13% higher.

This is according to a Congressional Budget Office report. Keep in mind that predicting the cost of insurance policies in the future is difficult at best. With the 30 million people being added to insurance pools, the elimination of lifetime caps, and support for small businesses to cover their employees, it is hard to predict how the health reform bill will affect individual policies in the long-term.

Hopefully this gives you a little better understanding of how the health care reforms affect you personally. If there is something that I missed or a specific question that you have, please feel free to comment and I will do my best to respond with useful information.

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March 24, 2010 | Filed Under Post, Uncategorized | 2 Comments 

Have you Googled your name recently? While self-searching might seem a little narcissistic, it is becoming a vital practice in managing your personal brand and cleaning up your online reputation.

According to a survey by Jump Start Social Media:

  • 48% of hiring managers use Facebook, 75% use LinkedIn, and 26% use Twitter to research candidates before making a job offer.

In addition, according to CNN.com:

  • 34% of hiring managers choose not to hire a candidate based on what they find in online profiles.

Managing your online reputation is becoming more and more important, whether you like it or not. Penelope Trunk writes that you do not have to quit your day job to pursue a career in art. To help maintain or obtain that day job, let’s look at some of the things you can do right now to start cleaning up your digital dirt.

1. Start by Googling Yourself

If your employers are going to be googling you, then you should know what they are going to see. This preliminary search will give you an idea of where you stand with your online identity. Is there a lot of embarrassing stuff out there about you? Is there nothing out there about you (this is an equally important problem that I will discuss later)? Set up a Google Alert that will let you know every time a new search result appears with your name.

2. Make a list of your online profiles

facebook profile

Compile a comprehensive list of all your profiles on social networking sites and any other profiles that might come up in a search for your name. The object of managing your personal brand online is not becoming invisible, but rather controlling what future business contacts, employers, and colleagues will see. For profiles and accounts that you do not want to show up in search results, simply use an ambiguous display name and avatar. Use Google to remind yourself of profiles you might have that you forgot about.

3. Clean up your “Big Three”

If hiring managers are looking on LinkedIn, Facebook, and Twitter, then you definitely want to be visible in those places.

CNN says that “of the hiring managers who use social networking sites for candidate research, 24 percent said profiles encouraged them to hire the job seekers.”

Being on these sites can give you a leg up against the competition, but only if you are conscious and cautious of the material posted. When considering any social network, keeping in mind that privacy is a precaution, not a solution. If content is online, then it is accessible one way or another.

There is a happy medium between being private and being invisible. If employers search for you and find nothing, then you look sadly out of touch. Check back tomorrow for specific steps to privatizing and cleaning up your Facebook profile.

To get a head start: Untag your keg stand pictures.

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August 6, 2009 | Filed Under Post, Uncategorized | Leave a Comment