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Health Care Reform for Small Businesses California – Video

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.

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

Covered California – Agent Training & Enrollment Website

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.

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

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

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.

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: , , , , , , , |

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

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.

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

Covered California (Exchange) Announces a Few Individual Rates

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..

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

Health Care Reform Update: Action in Sacramento

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. ”

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

Health Insurers to Continue Medical Underwriting in 2014 Despite ACA Prohibition

It is my understanding that the Affordable Care Act (ACA) forbids medical underwriting in the individual and group markets beginning in 2014. However, today, April 18, 2013, I attended a panel discussion of large group health insurance carriers , where representatives from Aetna, Anthem Blue Cross, CIGNA and Health Net all stated that they would continue to medically underwrite groups with 50 or more employees.

By |April 19th, 2013 |Categories: ACA, Health Insurance Reform, Large Group Medical Insurance Articles|

CA Exchange Website Could Spell Trouble for Insurers & Consumers

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 [...]

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

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

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, [...]

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