August 2014

Should a company reimburse employees’ INDIVIDUAL health insurance cost rather than sponsor a GROUP medical plan?

August 15th, 2014 |

With the high cost of health insurance many companies are considering alternative financing arrangements to group health plans.   The Affordable Care Act (i.e., ACA, Obama Care, Health Care Reform) created exchanges to help individuals purchase their own coverage.  Also, the ACA forbids insurance companies from asking questions about preexisting medical […]

Posted in: ACA | Covered California | Health Benefit Exchange | Health Insurance Reform | Individual Medical Insurance Articles | Large Group Medical Insurance Articles | Small Business Articles

July 2014

Newly Signed Law, SB 1446, Will Allow California Small Businesses to Keep their 2013 Medical Insurance Plan until December 2015

July 15th, 2014 |

On July 7, 2014 Governor Brown signed SB 1446 into law. This legislation will have a significant impact on the health insurance options for many small businesses in California.   Estimates are that up to 80 percent of small businesses in California “early renewed” their group health insurance plan in December […]

Posted in: (SHOP) Covered California Small Business Articles | ACA | Health Insurance Reform | Small Business Articles

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: (SHOP) Covered California Small Business Articles | ACA | Health Benefit Exchange | Health Insurance Reform | Small Business Articles

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: (SHOP) Covered California Small Business Articles | ACA | Covered California | Health Benefit Exchange | Health Insurance Reform

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: (SHOP) Covered California Small Business Articles | ACA | Covered California | Health Benefit Exchange | Health Insurance Reform | Individual Medical Insurance Articles | Large Group Medical Insurance Articles | Small Business Articles | 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: (SHOP) Covered California Small Business Articles | ACA | Covered California | Health Benefit Exchange | Health Insurance Reform | Small Business Articles | 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 Articles | 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 Articles

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 Articles | 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 Articles | PPACA