by Barbara Kempen | May 3, 2022 | Travel Insurance
With many people in the middle of planning their summer vacation, it is important to review how your health insurance functions outside of the United States. With all individual and family health insurance plans, you are only covered outside of California in case of a...
by Barbara Kempen | Apr 28, 2022 | Life Insurance, Life Insurance for Single Moms
With Mother’s Day on May 8th, this is the time to celebrate the mom or the soon-to-be mom in your life. When we think of mothers, we think of enduring love, a hard-working multitasker, a disciplinarian, a teacher, and a friend. A great way to show love for your...
by Barbara Kempen | Apr 27, 2022 | Affordable Health Insurance, Covered California
Many members enrolled in health insurance through the Covered California exchange accept premium assistance based on their income, age, zip code, and household size. If you are enrolled in health insurance through Covered CA, please make sure to do, at minimum, an...
by Barbara Kempen | Apr 25, 2022 | Uncategorized
For many small businesses, setting up employee health insurance and other plans may seem too complicated. Many small businesses share a common question, “Can I offer my employees a stipend in lieu of a health insurance plan?” Employers certainly can offer...
by Barbara Kempen | Apr 8, 2022 | Affordable Health Insurance, Tax Credits
On April 6th, 2022, the Biden administration proposed a change to how the IRS calculates the affordability of health insurance for employees and their families. The affordability test is used to calculate if a household is eligible for premium assistance through...
by Barbara Kempen | Apr 6, 2022 | Affordable Health Insurance, Tax Credits, Tax Penalty
As many Americans are still preparing their taxes before the April 18th deadline, please make sure that you have your 1095 (federal) & 3895 (state) tax forms and provide them to your tax preparer as they are required to complete your taxes. In California, there is...
by Barbara Kempen | Apr 4, 2022 | HSA
Did you know you can still fund your 2021 health savings account until Tax Day on April 15th, 2022? A health savings account or HSA is a tax-advantaged bank account that is basically a medical IRA. You can invest your funds into stocks, bonds, and other investments...
by Barbara Kempen | Mar 15, 2022 | Dental Insurance
If you are in a sudden rush to get a dental insurance plan to cover orthodontic treatment immediately, you may find the insurance options available to be rather limited. Some dental plans do not cover orthodontia whatsoever while other dental plans have 6-12 month...
by Barbara Kempen | Mar 11, 2022 | Tax Penalty
Since the federal government removed the tax penalty for not having health insurance in 2019, many Californians may think they are not subject to a tax penalty for not having health insurance. California responded to the removal of the federal penalty by establishing...
by Barbara Kempen | Mar 9, 2022 | Special Enrollment Period
Once the Special Enrollment Period started on February 1st, 2022, anyone looking to enroll in or change their health insurance must now have a qualifying life event to do so. A qualifying life event is a major life event that must occur within the last 60 days in...
