We have not seen California health coverage this rich since…well it\’s been over a decade. The California Exchange has released their basic blue print for the four different Metallic health plans in California and at the top of the list is the new Platinum plan. Let\’s take a look at the core benefits and who […]

With all the talk in the media on whether California health insurance rates will go up or down, there is a fair amount of forecasting which we all know is prone to mistakes. There are some key aspects of how health insurance rates will change that we do know about so let\’s take a look […]

What if you\’re an existing health insurance member on the individual and family market in California? What happens to you Jan 1st? Great question as we get closer to the Jan 1st 2014 change over and it will be a massive change-over. Let\’s walk through what members can expect for the transition to health reform […]

As licensed insurance agents, we get calls daily from parents (all over the country) who are enquiring about California health insurance for their son or daughter. There\’s always a comment during the conversation reflecting the parent\’s frustration with their kid not appreciating the need for health insurance. So that\’s a big question…the Health Exchanges are […]

There\’s a slow erosion of coverage for local news and even local gossip these days. On one hand, the big news sources can\’t possibly provide coverage for every single local location so they have become consolidators of nationwide or international news which works very well. On the other hand, the local news providers have seen […]

A Look At The New Individual Family Health Insurance Rates This is what we\’ve all been waiting for…what will the new rates look like under health reform? We don\’t have the full rate schedules yet but we did get average rates by area and an example rate by area for a 40 year old (gender […]

We wrote last week on the California Health Exchange\’s list of participating carriers for the individual market and there were some notable exceptions. One of those carriers, Aetna of California, officially notified the public and their current individual membership that they will no longer participate in the Individual market in California. Let\’s take a closer […]

Health care insurance in California can be a daunting task. To begin with, California actually has one of the most competitive healthcare insurance markets in the Country with many more competing companies than most (if not all) States. This is good news for the consumer but it also provides a level of complexity in trying […]

RAF For California Group Health Insurance Will Go Away There are many sweeping changes occurring California group health insurance market and one of them involves the cryptic but important RAF or Risk Adjustment Factor. This is important as it affects the rates that companies can pay for health insurance by up to 20% (10% up […]

We\’ve discussed the \”carrot\” for purchasing health insurance Jan 1st, 2014 and after but we haven\’t mentioned the \”stick\” and there most definitely will be one. For most US citizens who do not receive health insurance through a company, they will be assessed a penalty if they do not secure their own health insurance. For […]