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, [...]
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
Individual Coverage for Employees: Health Care Reform (ACA) May Create Opportunities for Small Businesses
In 2014, when the new market rules take effect, a business owner may be able to choose between the small group and individual market to purchase coverage for employees... Same product in two separate markets offered at different prices. A small business owner’s arbitrage opportunity would be to purchase health insurance for employees in the market with the lowest price.
Waive or Decline – A Huge Difference for California Small Group Health Insurance Plans under Health Care Reform(ACA)
"The BIG, hugely impactful decision Covered California, DOI and DMHC must make is: must an insurance company consider an employee enrolled in an individual health insurance plan.. to have a valid “waiver”. or [is it] a “declination” of group coverage."
Covered California, the new name for the California Health Benefit Exchange, has just released a report on its activities. Addressed to the Governor and Legislature, the report describes the reasons for creating the exchange and the progress in that effort. The report states that the high cost of medical insurance is the [...]