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Enroll in Medicare or Stay on Your Employer’s Health Plan – a Helpful Guide

I've just written a helpful guide for people who continue to work and must decide whether they should enroll in Medicare or stay on their employer's group medical plan. It turns out that the decision is a bit complicated and the answer depends on: •who's paying for the group plan (employer or employee); •whether the employee also has dependents enrolled on the group plan; and - oddly enough - •how much the employee earns... The article is sprinkled with a few funny things - so it's not as dry as you might imagine. If you're in this situation or if you know someone who is, you should read the article. Learn more by clicking on the link above.

By |March 13th, 2013 |Categories: Individual Medical Insurance Articles, Small Business Articles|Tags: , |

Health Insurance Marketplace: the New Name for the Federal Exchange

The Federal government has re-branded its health insurance "exchange" as the "Health Insurance Marketplace." A video on the government's web site suggests that shopping in the Health Insurance Marketplace will be as easy as buying food in a grocery store. The government makes some pretty bold claims

By |February 12th, 2013 |Categories: ACA, Covered California, Health Benefit Exchange, Health Insurance Reform, Individual Medical Insurance Articles, Small Business Articles|

Individual Coverage for Employees: Health Care Reform (ACA) May Create Opportunities for Small Businesses

In 2014, when the new market rules take effect, a business owner may be able to choose between the small group and individual market to purchase coverage for employees... Same product in two separate markets offered at different prices. A small business owner’s arbitrage opportunity would be to purchase health insurance for employees in the market with the lowest price.

By |January 29th, 2013 |Categories: Covered California, Health Benefit Exchange, Health Insurance Reform, Individual Medical Insurance Articles, Small Business Articles|

Waive or Decline – A Huge Difference for California Small Group Health Insurance Plans under Health Care Reform(ACA)

"The BIG, hugely impactful decision Covered California, DOI and DMHC must make is: must an insurance company consider an employee enrolled in an individual health insurance plan.. to have a valid “waiver”. or [is it] a “declination” of group coverage."

By |January 28th, 2013 |Categories: Covered California, Health Benefit Exchange, Health Insurance Reform, Individual Medical Insurance Articles, Small Business Articles|

Covered California Health Exchange Releases 2013 Report

Covered California, the new name for the California Health Benefit Exchange, has just released a report on its activities. Addressed to the Governor and Legislature, the report describes the reasons for creating the exchange and the progress in that effort. The report states that the high cost of medical insurance is the [...]

By |January 11th, 2013 |Categories: Covered California, Health Benefit Exchange, Health Insurance Reform, Individual Medical Insurance Articles, Small Business Articles|

New Trend in Health Insurance: Hospitals and Medical Groups Becoming Insurers

Sutter Health, a large medical group and hospital chain in Northern California, has applied to become an HMO/insurance company. According to this article, Sutter Health submitted its application to the California Department of Managed Care (DMHC) in August 2012. The article reports that DMHC has seen a significant increase in the number of applications to establish new [...]

By |January 8th, 2013 |Categories: Health Insurance Reform|

UHC Estimates Premium Increases as High as 116% in 2014 from Health Care Reform (ACA)

United Health Care (UHC), the largest health insurance company in the US, yesterday held a webinar for agents on changes they will be making to their products to comply with the Affordable Care Act (ACA).  This is the first time that I have seen a major carrier give specific [...]

By |December 6th, 2012 |Categories: Health Insurance Reform, Individual Medical Insurance Articles, Small Business Articles|
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