Open Enrollment Is Coming SOON!

The annual open enrollment period for individuals who purchase their own health insurance will run from November 1, 2016 through January 31, 2017.  During that time you may purchase a plan, renew your existing plan, or change plans.  Once the open enrollment period ends, you may not buy or change […] Read more »

Cash in Lieu Payments

Do you offer cash in lieu payments to employees who opt out of your employer sponsored health insurance because they’re enrolled elsewhere such as through a spouse’s employer? The Ninth Circuit recently held that cash payments made to employees in lieu of health benefits must be included in the hourly […] Read more »

Determining ALE Status

Applicable Large Employers have significant responsibilities under the Affordable Care Act including the employer mandate and employer reporting.  The first step to compliance is determining whether or not you are an Applicable Large Employer (ALE).  If an employer has at least 50 full-time employees, including full-time equivalent employees, on average […] Read more »

What Is Underwriting?

Underwriting is a term frequently used in the insurance industry which means an evaluation of your health, lifestyle, and financial history.  For example, in order to buy a life insurance policy you will need to complete an application and have at least a brief medical exam including blood and urine […] Read more »

Open Enrollment Begins November 1, 2015

The annual open enrollment period for individual plans will begin on November 1, 2015 and run through January 31, 2016.  This is true whether you purchase a plan “on exchange” through Covered California, or “off exchange” directly from a carrier.  During the open enrollment period individuals may purchase a plan […] Read more »

Open Enrollment Begins November 15

The open enrollment period for individual health insurance plans will start November 15, 2014 and run through February 15, 2015. During this window individuals may enroll in a plan for the first time or make changes to their existing coverage. The open enrollment period applies to policies purchased through our […] Read more »

Open Enrollment for Individual Plans

The next open enrollment period for individual health insurance plans will begin on November 15 with coverage effective as early as January 1, 2015.  Individuals may apply for coverage anytime during the open enrollment period which runs from November 15, 2014 to February 15, 2015.  Individuals may only apply for coverage […] Read more »

“Grandmothering” Bill Signed: Takes Immediate Effect

Governor Brown signed Senate Bill 1446 (DeSaulnier) today which allows small groups with non-grandfathered health plans that were in effect as of December 31, 2013 to continue to renew those plans until January 1, 2015 and to keep those plans in force until December 31, 2015. Known as “grandmothering”, this […] Read more »