Additional Tax Credits Available!

The updated Covered California premium calculator is live and reflects the additional tax credits available after the passage of the American Rescue Plan. If you haven’t qualified for reduced health care premiums in the past because your income was too high, it’s time to check again! Call us today at […] Read more »

February is Children’s Oral Health Month

All Affordable Care Act-compliant medical plans automatically include pediatric dental (and vision) benefits for children until their 19th birthday. All preventative and diagnostic services are offered at no cost while the cost for fillings, root canals, crowns, etc. are shared by you and the plan. The available network of dentists […] Read more »

Covered CA Extends Open Enrollment

It’s not too late!  Covered California extended the open enrollment period to April 30 for individuals who weren’t aware of the new state mandate to have health insurance and/or weren’t aware that state subsidies may be available. Call us today if you still need to enroll in coverage for 2020. Read more »

Open Enrollment

The annual open enrollment period for individual health insurance plans will run from October 15th through January 15, 2020. (It will be extended to January 31, 2020 if Governor Newsom signs AB 1309.) This is your opportunity to purchase or change plans for the 2020 plan year. Please note, you […] Read more »

Marijuana and Life Insurance

Marijuana users applying for life insurance should be aware that past and current marijuana use, frequency of use, the applicant’s age, and a urine test will all be considered during the underwriting process. As always, it’s better to disclose your health history and habits up front so we can help […] Read more »

Life Insurance

HOW MUCH LIFE INSURANCE DO I NEED? A general rule of thumb is to purchase a policy equal to ten times your annual income. You may need more or less coverage depending on several factors including: Your total household income Whether or not your spouse works outside the home The […] Read more »

Open Enrollment

This year’s annual open enrollment period for individual health insurance will run from October 15, 2018 through January 15, 2019. Open Enrollment is the one time during the year when you are allowed to apply for coverage or switch plans for any reason. Once the open enrollment period ends you […] Read more »

HSA Contributions

On Monday, March 5, 2018, the IRS announced that the previously released maximum family contribution limit to a Health Savings (HSA) has been reduced from $6,900 to $6,850 for 2018. This change applies immediately and any contribution to an HSA that has family-level coverage in 2018 over $6,850 will be […] Read more »

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 »