October 2013

Health Care Reform for Small Businesses California – Video

October 22nd, 2013 |

With Health Care Reform (Affordable Care Act) (ACA), business owners want to know: •What's going to change? •How much will it cost? and, •What can I do to save money. We've created a short video http://www.youtube.com/watch?v=RcQ5j8mu_Bk that addresses these questions. The video also describes what will not change, including: •No requirement for small businesses to offer benefits; •Benefits continue to be a tax deductible expense for the employer and non-taxable compensation to employees; •Benefits continue to be an excellent way to attract and retain good employees.

Posted in: ACA | Health Benefit Exchange | Health Insurance Reform | PPACA | SHOP - Small Business Exchange California | Small Business | small group health insurance

September 2013

Covered California – Agent Training & Enrollment Website

September 23rd, 2013 |

Covered California, the new health insurance exchange in California has begun agent training. Kudos to them because they have accomplished a lot in a very short period of time. With this blog post I hope to give some first hand info and feed back on the training process and on the enrollment procedures and processes.

Posted in: ACA | Covered California | Health Benefit Exchange | Health Insurance Reform | PPACA | SHOP - Small Business Exchange California

Understanding California Health Care Reform / Obamacare / Affordable Care Act / ACA

September 6th, 2013 |

We've prepared easy-to-understand videos that explain the new health care reform law (Affordable Care Ace, ACA, Obama Care). Topics include how to complete the required notices (Exchange, SBC & Glossary); an overview of individual and family coverage including Covered California; and problems of the current system that the ACA solves.

Posted in: ACA | Covered California | Health Benefit Exchange | Health Insurance Reform | Individual Medical Insurance | Large Group Medical Insurance | PPACA | SHOP - Small Business Exchange California | Small Business | small group health insurance | Videos

August 2013

Covered California Small Business Health Options Program (SHOP) Exchange Rates

August 13th, 2013 |

Given the rates SHOP released and the new rules for rating individual and small group health insurance, I am led to the conclusion that some small groups (and individuals) will likely pay much more than they currently do - while some may pay less.

Posted in: ACA | Covered California | Health Benefit Exchange | Health Insurance Reform | PPACA | SHOP - Small Business Exchange California | Small Business | small group health insurance | Uncategorized

May 2013

Covered California (Exchange) Announces a Few Individual Rates

May 24th, 2013 |

Today, May 23, 2013, the California Health Benefit Exchange, Covered California, released the 2014 individual health plan rates for 25 and 40 year olds. As they said in their press release, “it is impossible to make a direct comparison of these rates to existing premiums in the commercial market.” Still, at first glance the rates don’t look too high – but there..

Posted in: ACA | Covered California | Health Benefit Exchange | Health Insurance Reform | Individual Medical Insurance | PPACA

Health Care Reform Update: Action in Sacramento

May 17th, 2013 |

Much is in flux with the ACA and we should accept that many good questions do not have answers – yet. Michael Lujan, Director of Sales and Marketing for Covered California advised us to “get the facts.” We should be comfortable saying: “here is what we know now and here is what has not been determined. We don’t have the information to answer all of the questions… at this time. ”

Posted in: ACA | Covered California | Health Benefit Exchange | Health Insurance Reform | PPACA | Small Business | small group health insurance

April 2013

Health Insurers to Continue Medical Underwriting in 2014 Despite ACA Prohibition

April 19th, 2013 |

It is my understanding that the Affordable Care Act (ACA) forbids medical underwriting in the individual and group markets beginning in 2014. However, today, April 18, 2013, I attended a panel discussion of large group health insurance carriers , where representatives from Aetna, Anthem Blue Cross, CIGNA and Health Net all stated that they would continue to medically underwrite groups with 50 or more employees.

Posted in: ACA | Health Insurance Reform | Large Group Medical Insurance | PPACA

CA Exchange Website Could Spell Trouble for Insurers & Consumers

April 15th, 2013 |

On April 8th, 2013 Covered California/exchange/HBEX held a webinar for agents to describe their online enrollment process. Buried at the end of the presentation, slide 37 of 39 slides, was a screenshot of the page someone will see when he/she goes online to select a health insurance plan through Covered California.

Bad news for […]

Posted in: ACA | Covered California | Health Benefit Exchange | Health Insurance Reform | Individual Medical Insurance | PPACA

California Exchange (HBEX) Shocks Insurance Industry with Selection of SHOP Administrator

April 8th, 2013 |

California’s Health Benefit Exchange (HBEX)  also known as “Covered California,” sent an email to agents on Friday, April 5, 2013 to announce that they had selected Pinnacle Claims Management, Inc. to run the California SHOP exchange for small businesses. This shocked many in the insurance community including carrier reps, general […]

Posted in: ACA | Covered California | Health Benefit Exchange | Health Insurance Reform | PPACA | Small Business | small group health insurance

March 2013

Price War for California Small Group Health Insurance

March 21st, 2013 |

California insurance companies are engaged in a price war for small business health insurance.  I never thought that I would ever write that sentence. However, it’s true.

As I previously reported on this blog, Health Net started the war in January 2013 when they offered ANY group with 6 or more employees […]

Posted in: ACA | Health Insurance Reform | Small Business | small group health insurance