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Our mission is to find affordable health insurance, life insurance and long term care insurance, which best fits your individual, family and small business needs!
Solid Health Insurance finds you affordable health insurance by comparing the rates from carriers such as Anthem, Blue Shield, Kaiser Permanente, Cigna, Health Net inside and outside the California State Health Insurance Exchange, Covered California. We believe that affordable life insurance and long term care insurance will protect your family from unexpected life events. We provide you with affordable life and long term care insurance comparison quotes with carriers such as Transamerica, Allianz, Genworth, ING and other carriers. What does solid mean? It means that your health, life, home and business are adequately insured. We want to make sure that your hard-earned assets are protected, so that you can concentrate on achieving your family dreams and financial and business goals..
Biography of Barbara Kempen
Business Expert
Barbara’s strong sense of organization and hard work has allowed her to be a successful business expert in Los Angeles for 25 years.
Handling
After handling the insurance matters for a manufacturing company for 5 years, Barbara founded Solid Health Insurance Agency in 2008 and enjoys serving her community ever since.
Personal Approach
Her clients enjoy her very personal approach to find the best insurance package for them. Her consultative approach helps the client to understand the many different choices and helps to find a “solid” plan.
The American Rescue Plan
Picking Insurance is Difficult
At Solid Health Insurance Services, we believe that a quick meeting with us in person or over the phone will help you to establish your individual, family and business needs. Completing an insurance form without the advice of an agent can be difficult or even lead to problems with insurability. Especially now with the introduction of the California State Health Insurance Exchange, Covered California, there are many new aspects, such as possibly receiving financial subsidies and navigating through smaller health networks, to consider.
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Understanding IRMAA: What You Need to Know for 2025
The Income-Related Monthly Adjustment Amount (IRMAA) is an additional charge that some Medicare beneficiaries must pay on top of their standard Part B and Part D premiums. This surcharge is based on your Modified Adjusted Gross Income (MAGI) from two years prior. For...
2025 Health Insurance in California: Key Changes, Rates, and Enrollment Periods
Navigating Your Health Insurance Options for 2025 As we approach the last quarter of 2024, we’re excited to help our clients secure the best health insurance options for the coming year. Covered California's Renewal Season kicks off on October 1st, and we're here to...
Inflation Reduction Act and Medicare 2025: Significant Changes Explained
Impact of the Inflation Reduction Act In preparation for the Medicare Season for 2025, licensed agents like myself begin preparations for the Medicare 2025 season. The upcoming season will see significant changes, especially for Medicare Part D (Prescription Plans)...
10 Tips to Find Affordable Health Insurance in the Affordable Care Act (aka Obamacare)
TIP # 1 - Shop the insurance market - on and off the State Health Insurance Exchange- Covered California
Tip #2 - Will I qualify for a financial subsidy?
Since 2014, cost-sharing subsidies and tax credits will lower the cost of health insurance premiums and out-of-pockets expenses for health coverage. Many Americans will qualify for a federal subsidy to pay for their health insurance premium, which depends on their modified adjusted gross income (MAGI). Individuals and families earning up to 600% of the Federal Poverty Level will be eligible to qualify for a federal subsidy. The Federal Subsidy depends on your family size and modified adjusted gross income, to calculate please use the federal subsidy calculator. If your modified annual gross income (MAGI) is in between 139% and 250% of the Federal Poverty Level (FPL) the Silver Plans are offering next to the subsidy also a cost share reduction towards co-payments, co-insurance and the out-of pocket maximum.
Tip #3 - Will my doctor and hospital be in the network?
Each insurance carrier has their own network of providers (doctors, hospitals). A given insurance carrier may also offer multiple HMO, PPO & EPO plans, each with their own unique network of providers. You may find your preferred providers in one network but not another.
Tip #4 - How will the insurance premium vary in California?
In California the only rating factors for premiums are based on geography, age and family size. a) Geography : There are 19 price regions in California, each rating area will have their own cost of care applied b) Age: Rates based on age will differ by no more than a 3:1 ratio. In the past this ration was 5:1 or higher. The 3:1 ratio says that the cost of the highest age may be no more than three times the cost of a young adult. We expect that the rates for young adults will increase. c) Family Size In determining a family’s total cost, all adults (subscriber, spouse, adult children) age 21 and above are rated separately under family coverage, and only the three oldest children who are under age 21 will be rated in the total family premium. d) Rate guarantee: Rates for health plans are guaranteed for a full calendar year, or the duration of the calendar year for special enrollment. Rate adjustments due to age changes can only occur during open enrollment or special enrollment periods.
TIP # 5 Do not use out-of-network doctors
Double check with your insurance if your doctor is an In-Network Provider. Using Out-of-Network doctors can be very costly, as the insurance companies with a PPO plan are only paying their negotiated rate out-of-network after high out-of-network deductibles are met and you are responsible to pay the doctor the remainder. With the introductions of EPO’s ( Exclusive Provider Organizations), covered benefits are not paid for services rendered by a provider who is not part of the provider network except in an emergency or plan-approved care outside the provider network.
TIP #6 - Pay for Brand Prescription
Bronze Plans are less costly than the other metal plan of the ACA plans. The Bronze metal plans will not cover prescriptions until after a high $500 annual medical deductible is met. The Silver 70 plans now have a low $10 annual drug deductible vs $300 prior to 2022. The Gold 80 & Platinum 90 plans have no drug deductibles whatsoever. You will still be subject to a copay on all plans after you meet your drug deductible until you reach your annual out-of-pocket maximum.
TIP #7 - Go into Higher Deductible Plans - or Limited Doctor Visits
In order to offset the steep increases in health insurance premium, many families increase the deductible on their health plans. If you do this, start putting each month $ 100 towards a saving account, so that you are able to pay your bills when the unexpected happens. With the new metal plans evaluate if a Bronze plan is really suitable for your needs. Bronze plans have a deductible of $ 6300 for medical and $ 500 drug deductible, the out of pocket maximum is $ 7,800 for an individual and $ 15,600 for a family. You have only limited doctor visits before the deductible applies. Please compare the Silver Plans to the Bronze Plans although the Silver Plans are more expensive they offer over all a better benefit package
TIP #8 - Add Supplemental Insurance
TIP #9 - Always Read the Out-Of-Pocket Maximum
After the deductible is reached, you have to pay a coinsurance, which can be as little as 10% for Platinum Plans or as high as 40% for Bronze Plans until you reach the Out-Of-Pocket Maximum.
Inside the Networks of an Insurance Carrier’s Health Plan, Platinum Plans have a maximum out-of-pocket limit for an individual of $4,500, for a family of $9,000. Gold, Silver & Bronze plans have an out-of-pocket maximum of $8,200 for an individual, $16,400 for a family.
Outside the Networks of an Insurance Carrier’s Health Plan, the out-of pocket maximum can be considerably higher, usually $20,000.
Tip #10 - Contact Solid Health Insurance Service - Your Insurance Agent
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Call 310-696-2002 or 310-909-6135 for a Free Quote
We look forward to building a solid relationship with you.
Solid Health Insurance Service
CA Licence # 0G05625
Tel: 310-696-2002 or 310-909-6135
FAX: 310-633-8306 or info@solidhealthinsurance.com
At Solid Health Insurance Agency , we are strongly committed to protecting your privacy. As explained in our Privacy Policy and our Terms of Use, we do not sell, trade, or give away your personal information without your permission, and we respect your choices about whether and how to receive marketing messages from us.
Disclaimer: We do not take any direct payments and there are No charges from Solid Health Insurance.
Policyholders will be directly billed by the insurance carrier they choose to apply to through our quoting portal. ( For example, if you apply with our portal to Blue Shield of CA, Blue Shield will bill you and draw the money from the payment method you choose at the time of application)
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.