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Health Benefit Exchange Articles

Explore the California health benefit exchange platform, dedicated to assisting individuals and families in finding and enrolling in high-quality health insurance plans.

2015 Sep 02

Need health insurance outside of the open enrollment period – consider the California Major Risk Plan (MRMIP)

By |September 2nd, 2015 |Categories: Individual Medical Insurance Articles, ACA, Covered California, Health Benefit Exchange|

If you didn't sign up for individual health insurance in California during the open enrollment period, you're not stuck.  A little known state program, Major Risk Medical Insurance Plan (MRMIP), may be your saving grace.  While no insurance company will offer you coverage outside of the open enrollment period unless [...]

2014 Aug 15

Should a company reimburse employees’ INDIVIDUAL health insurance cost rather than sponsor a GROUP medical plan?

By |August 15th, 2014 |Categories: ACA, Covered California, Health Benefit Exchange, Health Insurance Reform, Individual Medical Insurance Articles, Large Group Medical Insurance Articles, Small Business Articles|

With the high cost of health insurance many companies are considering alternative financing arrangements to group health plans.   The Affordable Care Act (i.e., ACA, Obama Care, Health Care Reform) created exchanges to help individuals purchase their own coverage.  Also, the ACA forbids insurance companies from asking questions about preexisting [...]

2013 Oct 22

Health Care Reform for Small Businesses California – Video

By |October 22nd, 2013 |Categories: (SHOP) Covered California Small Business Articles, ACA, Health Benefit Exchange, Health Insurance Reform, Small Business Articles|Tags: , , , , , , , |

With Health Care Reform (Affordable Care Act) (ACA), business owners want to know: •What's going to change? •How much will it cost? and, •What can I do to save money. We've created a short video http://www.youtube.com/watch?v=RcQ5j8mu_Bk that addresses these questions. The video also describes what will not change, including: •No requirement for small businesses to offer benefits; •Benefits continue to be a tax deductible expense for the employer and non-taxable compensation to employees; •Benefits continue to be an excellent way to attract and retain good employees.

2013 Sep 23

Covered California – Agent Training & Enrollment Website

By |September 23rd, 2013 |Categories: (SHOP) Covered California Small Business Articles, ACA, Covered California, Health Benefit Exchange, Health Insurance Reform|Tags: , , , , |

Covered California, the new health insurance exchange in California has begun agent training. Kudos to them because they have accomplished a lot in a very short period of time. With this blog post I hope to give some first hand info and feed back on the training process and on the enrollment procedures and processes.

2013 Sep 06

Understanding California Health Care Reform / Obamacare / Affordable Care Act / ACA

By |September 6th, 2013 |Categories: (SHOP) Covered California Small Business Articles, ACA, Covered California, Health Benefit Exchange, Health Insurance Reform, Individual Medical Insurance Articles, Large Group Medical Insurance Articles, Small Business Articles, Videos|Tags: , , , , , , , |

We've prepared easy-to-understand videos that explain the new health care reform law (Affordable Care Ace, ACA, Obama Care). Topics include how to complete the required notices (Exchange, SBC & Glossary); an overview of individual and family coverage including Covered California; and problems of the current system that the ACA solves.

2013 Aug 13

Covered California Small Business Health Options Program (SHOP) Exchange Rates

By |August 13th, 2013 |Categories: (SHOP) Covered California Small Business Articles, ACA, Covered California, Health Benefit Exchange, Health Insurance Reform, Small Business Articles|

Given the rates SHOP released and the new rules for rating individual and small group health insurance, I am led to the conclusion that some small groups (and individuals) will likely pay much more than they currently do - while some may pay less.

2013 May 24

Covered California (Exchange) Announces a Few Individual Rates

By |May 24th, 2013 |Categories: ACA, Covered California, Health Benefit Exchange, Health Insurance Reform, Individual Medical Insurance Articles|

Today, May 23, 2013, the California Health Benefit Exchange, Covered California, released the 2014 individual health plan rates for 25 and 40 year olds. As they said in their press release, “it is impossible to make a direct comparison of these rates to existing premiums in the commercial market.” Still, at first glance the rates don’t look too high – but there..

2013 May 17

Health Care Reform Update: Action in Sacramento

By |May 17th, 2013 |Categories: Small Business Articles, ACA, Covered California, Health Benefit Exchange, Health Insurance Reform|

Much is in flux with the ACA and we should accept that many good questions do not have answers – yet. Michael Lujan, Director of Sales and Marketing for Covered California advised us to “get the facts.” We should be comfortable saying: “here is what we know now and here is what has not been determined. We don’t have the information to answer all of the questions… at this time. ”

2013 Apr 15

CA Exchange Website Could Spell Trouble for Insurers & Consumers

By |April 15th, 2013 |Categories: ACA, Covered California, Health Benefit Exchange, Health Insurance Reform, Individual Medical Insurance Articles|

On April 8th, 2013 Covered California/exchange/HBEX held a webinar for agents to describe their online enrollment process. Buried at the end of the presentation, slide 37 of 39 slides, was a screenshot of the page someone will see when he/she goes online to select a health insurance plan through Covered California. Bad [...]

2013 Apr 08

California Exchange (HBEX) Shocks Insurance Industry with Selection of SHOP Administrator

By |April 8th, 2013 |Categories: ACA, Covered California, Health Benefit Exchange, Health Insurance Reform, Small Business Articles|

California’s Health Benefit Exchange (HBEX)  also known as “Covered California,” sent an email to agents on Friday, April 5, 2013 to announce that they had selected Pinnacle Claims Management, Inc. to run the California SHOP exchange for small businesses. This shocked many in the insurance community including carrier reps, [...]

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