Mention the Affordable Care Act to people who are self-employed and buy their own health insurance and you’ll be lucky to get a kind chuckle in return. More than likely, the response you’ll receive is frustration or even anger. There is nothing “affordable” about the Affordable Care Act to middle income Americans who don’t qualify…Read More
Most California small business owners chose to renew their group health insurance plans early in 2014. Although most couldn’t tell you why they chose the early renewal, they did make the right choice. The process of renewing early is known as “grandmothering”. The name is an offshoot of the previous form of keeping your old…Read More
It’s becoming an every day occurrence. I begin a conversation with someone looking for individual health insurance. They either lost their insurance from their job or maybe they are just looking for a better price. We start talking about what they’re paying now, what kind of coverage they have versus what they need, and what…Read More
“Are the insurance companies really going to deny me after the open enrollment period ends?” I’m often asked this exact question and with good reason. Consumers just can’t imagine why a company wouldn’t take their money. Insurance companies spend billions of dollars in advertising and when the time comes to close a deal, they aren’t…Read More
Low Price. Good Coverage. Large Doctor Networks. Those are the components of individual health insurance that every shopper is looking for. Unfortunately, you can’t have all three. Now that I’ve burst your bubble, let’s take a look at how to buy health insurance in California.Read More
Covered California is the Affordable Care Act exchange or marketplace for the state of California. It was set up to provide a place for Californians to buy new ACA qualified plans beginning in 2014 and it’s the only place for Californians to go to receive a subsidy on their health insurance. When Covered California was…Read More
On January 1, 2015, the federal government imposed a maximum 90-day waiting period for new employees to be added to their employer’s health insurance. This new rule was, of course, part of the Affordable Care Act. Traditionally, employers were allowed to choose a waiting period to their liking with some employers choosing 6 months or…Read More