We had a big question upon hearing about the streamlined health benefits allowed with California health reform\’s Metallic Plans especially since they were based on the very rich, Kaiser $30 no deductible copay plan. What would happen to HSA\’s after health reform hits the market in earnest Jan 1st 2014? We now have an answer […]

We\’ve discussed the premium subsidies that are available to those making up to 400% of poverty towards the purchase of health insurance in California but that\’s just the start for reform changes. There\’s also a \”benefit subsidy\” for those Californians that make up to 250% of the Federal Poverty Level. This portion was designed to […]

As we get more information on the health reform roll-out, some interesting new strategies are popping up. One of them could save you quite a bit of money during 2014 and I think we might be first to bring it to light for our readers. It all has to do with a recent update on […]

When we first learned that the Federal Poverty Level or FPL would tie in directly to how much California health insurance would cost, we had only an inkling of what the numbers were. Many people have no idea what the Federal Poverty Levels are but that\’s about to change with the advent of the Health […]

There\’s soon to be a new dichotomy in California based on income but it\’s a reversal of the usual split and it will be arriving with a clamor Jan 1st, 2014 when Health Reform makes its entrance in earnest. The availability of health insurance subsidies based on income levels will have a huge impact on […]

Update on Anthem Blue Cross of California 2/1/2013 Rate Increase We have an update regarding the Feb 1st 2013 rate increase filed by Anthem Blue Cross of California. The carrier has negotiated with the California Department of Insurance and filed a reduced increase. There are some new angles to this revision which are interesting as […]

This is the first part of a two-piece delivery from the State of California in terms of what to expect for the much anticipated (for us, at least) California health insurance plan options available Jan 1st. The State just released the final versions of the plans available to California residents for both individual and small […]

When to take the Cal Cobra Extension Unfortunately, there\’s been a lot of questions we have fielded on California Cobra over the past 5 years due to the economy. For a quick recap, Cobra in continuation of group health insurance loses group health insurance either voluntarily or due to termination. The good news is that […]

PCIP health insurance for Californians One of the interim programs for health reform until the big change over Jan 1st 2014 is a pretty useful and critical safety net for Californian\’s that are unable to qualify for health insurance due to health issues. It\’s call the PCIP program or the Pre-Existing Condition Insurance Plan and […]

Major Medical California health insurance The term Major Medical is constantly interchanged with catastrophic health insurance on the California market but regardless of the name, it makes more and more sense to go this direction on the health market. Let\’s look at how Major Medical California health plans work and which ones are currently the […]