Importance Of Employee Health Benefits
"Clients do not come first. Employees come first. If you take care of your employees, they will take care of the clients." - Richard Branson - founder of The Virgin Group “Employees who believe that management is concerned about them as a whole person – not just an...
Understanding the Uninsured Penalty for Healthcare in California
Like a number of other states in the nation, California has their own requirements for mandatory healthcare coverage. In fact, according to the commonwealthfund.org, in the following states, residents may have to pay a tax penalty for not having health insurance:...
What You Should Know About Covered California & Health Insurance Coverage in 2020
Getting your health insurance coverage through the state’s health insurance exchange, Covered California, will have a few new twists for 2020. Open enrollment for Covered California began on Tuesday, October 15, 2019 and continues through January 15, 2020. If you miss...
Health Insurance Trends for 2025
The state of health insurance in the United States and in California, in particular, is always shifting and evolving. While this is true, there are some trends that have stayed constant for most of the last 20 years is the inexorable rise in monthly health insurance...
A Brief Look At Health Insurance Costs
For most Californians, the one constant with just about every type of health insurance plan are the out-of-pocket costs. While there are some individuals who are fortunate enough to have their monthly premiums covered by their employers, there are often still...
A Brief Look At Health Insurance Plan Types
Acquiring a health insurance plan in California has become far more complicated that it was prior to 2010 with the passage of the Affordable Care Act, and even more so after October 1, 2013 with the initial enrollment for Covered California. The state’s exchange went...
There Is No “Free Ride” By Skipping Health Coverage In California
Too many people believe that having health care insurance is optional and that they can avoid costly monthly premiums by simply not having insurance. This is quite common among younger, healthy, single adults who statistically do not need to see healthcare...
How Your Local Health Insurance Agent Can Help You
Whether you need to find new insurance, better insurance or different insurance, the task of researching and understanding the right information can be overwhelming. Fortunately, there is a competent expert there to guide you: your local health insurance agent. ...
What to Keep in Mind When Buying an Individual Insurance Plan
There are some situations where an individual is either self-employed with no other employees, or they are employed by a small company that does not offer health insurance coverage. In these cases, the only real option available – aside from remaining uninsured – is...
What You Need To Know About Buying Health Insurance For Your Small Business
It’s become a given in today’s volatile job market that employers need to do all they can to offer some level of health insurance coverage for their employees. Yet, it is also an expensive offering for most employers, especially a small business. Offering Health Insurance Plans as a Small Business So, how do you […]
Understanding Out-of-Network Vs. In-Network Health Coverage
Typically, we purchase a health insurance plan that is accepted by our family doctor or preferred primary healthcare provider (PHP), assuming we already have one. For most of us this simply means we don’t need to worry about whether that office will accept our insurance. In fact, that concern usually only comes up when we […]
What You Need to Know About Having Health Coverage
The Affordable Care Act remains the law of the land when it comes to health insurance and health coverage, but the Tax Cuts and Jobs Act of 2025 made a very significant change to the law popularly known as Obamacare. While the recent Tax reform bill did not repeal the ACA, it did remove the […]