Affordable

So it looks like the ACA is going to go away as we know it …

By |2017-01-17T19:19:37+00:00January 17th, 2017|Affordable, Affordable Care Act, California Health Insurance, Covered CA, family health insurance, health care, Individual Health, Individual health insurance, Obama Care, reform, small business health care, subsidies, tax credits, Taxes|

... the real problem is what is going to replace it?  There seems to be major division in the GOP on how to do this. We heard all year that President-Elect Trup was going to repeal and replace the ACA ... but we have yet to hear with what?!?!?! Here is the latest from the

The Future of ObamaCare in CA

By |2017-01-11T17:46:43+00:00January 11th, 2017|Affordable, Affordable Care Act, California Health Insurance, Commercial, Covered CA, family health insurance, health care, Individual Health, Individual health insurance, Medi-Cal, Obama Care, reform, small business health care, Taxes|

One of the items at the top of the President Elect's to do list after his Inauguration, is 'repeal & replace' ObamaCare.  So far we don't have any specifics about what this really will mean to Americans, but this article has stated what we have been anticipating all along - according to Deborah Kelch of the

Looming changes to ObamaCare …

By |2016-11-29T21:45:07+00:00November 29th, 2016|Affordable, Affordable Care Act, California Health Insurance, Covered CA, family health insurance, health care, Individual Health, Individual health insurance, Obama Care, reform, small business health care, subsidies, tax credits|

Now that we know who our next President will be, the question I keep getting asked is: “What is going to happen to my health insurance?” My answer - In the short term, nothing.  In the long run…. Well, we’re not exactly sure. Here is what we know about President Elect Trump's plan: During his

Unintended Consequences = Medi-Cal

By |2015-01-10T18:56:00+00:00January 10th, 2015|Affordable, Affordable Care Act, California Health Insurance, Covered CA, family health insurance, Individual health insurance, Medi-Cal, Obama Care, reform|

One major problem we are having this enrollment period is dealing with Medi-Cal.  We are finding that with some of the clients we have enrolled, Medi-Cal is going into the files and changing the application without checking with clients or us, their agent.Usually they lower the income so the client becomes Medi-Cal eligible.  This has

Grandfathered plans increase … what?

By |2014-01-31T18:14:00+00:00January 31st, 2014|Affordable, Affordable Care Act, California Health Insurance, family health insurance, health care, Individual health insurance, Obama Care, reform|

I just read an interesting article about Anthem Blue Cross raising premiums on all grandfathered plans by 25%.  This is not surprising and fully anticipated, albeit a tad sooner than I expected.Grandfathered plans are health plans that have been in force prior to the signing of the Affordable Care Act in 2010.  These plans were not required

So after 3 weeks what have we learned?

By |2013-10-22T20:55:00+00:00October 22nd, 2013|Affordable, Affordable Care Act, California Health Insurance, Covered CA, family health insurance, Individual health insurance, Obama Care, reform, subsidies, timeline|

It is finally here.  We are three weeks into open enrollment.  The Affordable Care Act has definitely seen its detractors but it has survived up to this point.  No matter what happens in Washington D.C., the exchange in California is here to stay (that is, at least for 2014).  So after 3 weeks what have we learned? 

Changes in Employer Sponsored Health Insurance …

By |2013-07-01T20:05:00+00:00July 1st, 2013|Affordable, Fill in the Gaps, health care, small business health care|

I recently read an article that details the growing relationship between employer sponsored 401k plans and employer sponsored health insurance plans.  Over the last 40 years the industry has seen pension plans go away and shift to 401k plans.  This has taken the responsibility of retirement out of the employers hands and into the employees. 

Can a business with 51+ employees which offers health insurance still be penalized?

By |2013-05-21T16:25:00+00:00May 21st, 2013|Affordable, Affordable Care Act, California Health Insurance, Penalties, small business health care, Taxes|

Can a business with 51+ employees which offers health insurance still be penalized?  The answer is YES.  If an employeer offers "unaffordable" health insurance to his/her employees the company will be fined.  The fine for offering unaffordable health insurance is $3,000 per employee.  If you have 60 employees and are found to offer unaffordable health insurance you will see

the nitty-gritty … taxes & fines

By |2013-05-07T21:04:00+00:00May 7th, 2013|Affordable, Affordable Care Act, California Health Insurance, Individual health insurance, Penalties, small business health care, Taxes|

Lately I have been asked a lot of questions regarding the fines/taxes individuals and businesses will receive for not purchasing or offering health insurance.Starting with individuals.  The reality is you do not have to buy insurance.  If you are currently uninsured, you can stay uninsured in 2014.  The only difference being that the federal government will now