If implementation delays in the Affordable Care Act had to be categorized as a film genre for behind-the-scenes talent in Hollywood, “horror” might be an apt description. The same analogy can apply to the larger issue of finding and sustaining accessible and affordable health insurance for television and motion picture crews, who often struggle to work enough hours each year to qualify for pension, health and welfare benefits.

While an estimated 65% of these skilled workers receive group health care coverage through their respective guilds, including multi-employer funds, the rest do not have access to such benefits, nor are they unionized. And since many productions employ more than 100 crew members and are exempt from the ACA’s phased-in employer mandate or are not subject to collective bargaining agreements, an even steeper uphill battle is expected for this segment of the workforce.

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