small business health care

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

One week away …

By |2013-09-26T16:50:00+00:00September 26th, 2013|Affordable Care Act, California Health Insurance, family health insurance, Individual health insurance, Obama Care, reform, small business health care, timeline|

We are just about a week away from Open Enrollment and there has been a lot of talk about "defunding Obamacare".  I am not sure this is possible.  California's state exchange, Covered California is ready for open enrollment.  I recently went to Covered California's "certification training" so I can sell plans on the exchange.  I

And the SHOP carriers are …

By |2013-08-12T19:33:00+00:00August 12th, 2013|Affordable Care Act, California Health Insurance, reform, small business health care, tax credits, timeline|

At the beginning of this month, Covered California announced the carriers that will be participating in the SHOP exchange.  This is the small business part of Covered California, where small businesses can go to purchase health insurance.  The 6 carriers are Health Net, Kaiser, Blue Shield, Chinese Community Health Plan, Sharp Health Plan, and Western

EVER CHANGING AFFORDABLE CARE ACT

By |2013-07-22T17:12:00+00:00July 22nd, 2013|Affordable Care Act, California Health Insurance, small business health care, Taxes, timeline|

Over the past month there have been a few changes to the Affordable Care Act.  The most notable is the push back of the employer mandate to 2015.  This will give employers with 50 or more employees another year to figure out what there going to do with health insurance.  As for individuals and families,

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