About Bruce Jugan

Bruce is an expert in group medical insurance and employee benefits for small to mid-sized companies. He's been a licensed agent/broker since 1993. Bruce has written all of the content on BenefitsCafe.com. He and his team help employers select medical plans; communicate information to employees; stay in compliance with various rules and regulations; and solve benefits-related problems that may arise.
13 08, 2013

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

By |August 13th, 2013 |Categories: (SHOP) Covered California Small Business Articles, ACA, Covered California, Health Benefit Exchange, Health Insurance Reform,, Small Business Articles, Uncategorized|

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.

24 05, 2013

Covered California (Exchange) Announces a Few Individual Rates

By |May 24th, 2013 |Categories: ACA, Covered California, Health Benefit Exchange, Health Insurance Reform,, Individual Medical Insurance Articles|

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..

17 05, 2013

Health Care Reform Update: Action in Sacramento

By |May 17th, 2013 |Categories: Small Business Articles, ACA, Covered California, Health Benefit Exchange, Health Insurance Reform,|

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. ”

19 04, 2013

Health Insurers to Continue Medical Underwriting in 2014 Despite ACA Prohibition

By |April 19th, 2013 |Categories: ACA, Health Insurance Reform,, Large Group Medical Insurance Articles|

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.

15 04, 2013

CA Exchange Website Could Spell Trouble for Insurers & Consumers

By |April 15th, 2013 |Categories: ACA, Covered California, Health Benefit Exchange, Health Insurance Reform,, Individual Medical Insurance Articles|

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 [...]

8 04, 2013

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

By |April 8th, 2013 |Categories: ACA, Covered California, Health Benefit Exchange, Health Insurance Reform,, Small Business Articles|

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, [...]

13 03, 2013

Enroll in Medicare or Stay on Your Employer’s Health Plan – a Helpful Guide

By |March 13th, 2013 |Categories: Individual Medical Insurance Articles, Small Business Articles|Tags: , |

I've just written a helpful guide for people who continue to work and must decide whether they should enroll in Medicare or stay on their employer's group medical plan. It turns out that the decision is a bit complicated and the answer depends on: •who's paying for the group plan (employer or employee); •whether the employee also has dependents enrolled on the group plan; and - oddly enough - •how much the employee earns... The article is sprinkled with a few funny things - so it's not as dry as you might imagine. If you're in this situation or if you know someone who is, you should read the article. Learn more by clicking on the link above.

12 02, 2013

Health Insurance Marketplace: the New Name for the Federal Exchange

By |February 12th, 2013 |Categories: ACA, Covered California, Health Benefit Exchange, Health Insurance Reform,, Individual Medical Insurance Articles, Small Business Articles|

The Federal government has re-branded its health insurance "exchange" as the "Health Insurance Marketplace." A video on the government's web site suggests that shopping in the Health Insurance Marketplace will be as easy as buying food in a grocery store. The government makes some pretty bold claims

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