Generated by All in One SEO v4.8.9, this is an llms.txt file, used by LLMs to index the site. # Solid Health Insurance Affordable Health Insurance ## Posts - [Blog](https://solidhealthinsurance.com/blogs/) - Find an independent overview of health insurance , life insurance and long-term care insurance premiums - [Oscar Individual Insurance is leaving California](https://solidhealthinsurance.com/oscar-individual-insurance-is-leaving-california/) - While on its first-quarter earnings call with newly appointed CEO, Mark Bertolini, Oscar Health announced its plans to exit the California marketplace by the end of this year 2023. This strategic decision is the result of a thorough evaluation of performance metrics in the state. Moreover, according to their executives, after repeatedly posting medical loss - [New Home- A Qualifying Life Event](https://solidhealthinsurance.com/new-home-a-qualifying-life-event/) - ☀️Summer in California holds a special allure for those seeking a fresh start, offering an ideal backdrop for embarking on new adventures. As the school year wraps up, families eagerly embrace the chance to relocate, infusing their lives with fresh energy and new beginnings. Whether it's moving to a different neighborhood, city, or even exploring - [Transparency in Coverage - price information accessible to the public](https://solidhealthinsurance.com/transparency-in-coverage-price-information-accessible-to-the-public/) - The insurance carrier finally publishing their health insurance estimator, so that you have a better udnerstanding of the possible health insurance cost for a planned procedure. - [Congratulations on your wedding - update your health & life insurance](https://solidhealthinsurance.com/congratulations-on-your-wedding-update-your-health-life-insurance/) - The wedding season just started. All the planning might be overwhelming. Take the time to review your joined health and life insurance needs. - [2026 Health Savings Account (HSA) Updates: Big Beautiful Bill Explained](https://solidhealthinsurance.com/2026-health-savings-account-hsa-updates-big-beautiful-bill-explained/) - Explore 2026 HSA updates: new contribution limits, expanded eligibility, and tax-free benefits under the Big Beautiful Bill. - [Covered California 2026 Benefit Structure: What You Need to Know](https://solidhealthinsurance.com/covered-california-2026-benefit-structure-what-you-need-to-know/) - Covered California 2026 plans bring a 10.3% rate hike and Silver 73 rollback. Review deductibles, copays, and tips before Open Enrollment begins. - [Covered California 2026 Rates Announced- What Enrollees Must Know Now](https://solidhealthinsurance.com/covered-california-2026-rates-announced-what-enrollees-must-know-now/) - Covered California’s 2026 rates show an average +10.0% increase for Los Angeles. See how each carrier compares and what this means for your health coverage. - [CMS Final Rule: Big ACA Changes Ahead for 2026 Coverage](https://solidhealthinsurance.com/cms-final-rule-big-aca-changes-ahead-for-2026-coverage/) - CMS finalizes ACA reforms for plan year 2026: tighter subsidy rules, SEP changes, $5 premium for auto-renewals, and more. Here's what to expect. - [2026 HSA Contribution Limits Explained: Significant changes with the introduction of the "Big Beautiful Bill"](https://solidhealthinsurance.com/2026-hsa-contribution-limits-explained-how-to-choose-the-best-health-plan/) - For 2026, HSA limits have increased, offering more tax-free savings potential. Understand the new HDHP rules and how to plan for future healthcare expenses. - [The Real Value of Dental Insurance: Protecting Your Smile and Your Wallet](https://solidhealthinsurance.com/the-real-value-of-dental-insurance-protecting-your-smile-and-your-wallet/) - Wondering if dental insurance is worth it? Explore the key benefits, from cleanings to major dental work, and how it saves you money. - [Federal Poverty Level 2025 & Impact on Coverage](https://solidhealthinsurance.com/federal-poverty-level-2025-impact-on-coverage/) - Understand the 2025 Federal Poverty Level standards, defining income-based criteria for access to government aid programs and essential financial resources. - [Stay Healthy with Free Preventative Care: What You Need to Know](https://solidhealthinsurance.com/stay-healthy-with-free-preventative-care-what-you-need-to-know/) - Maximize your health insurance benefits with free preventative care. Learn about wellness exams, vaccines, and screenings to stay in top shape. - [Special Enrollment Period for Individual Health Insurance](https://solidhealthinsurance.com/special-enrollment-period-for-individual-health-insurance/) - Missed open enrollment? California's Special Enrollment Period lets you sign up for health insurance after major life changes. Check your eligibility today! - [Relief Funds Deadline for Business Owners & Employees in Los Angeles](https://solidhealthinsurance.com/relief-funds-deadline-for-business-owners-employees-in-los-angeles/) - While so many Angelenos are affected by the most recent fires. We are sharing the Palibu Chamber information about important deadlines. - [LA Fires : Picking Up the Pieces and How to Rebuild Your Life](https://solidhealthinsurance.com/la-fires-picking-up-the-pieces-and-how-to-rebuild-your-life/) - Recovering after the LA fires: Essential tips to rebuild and move forward with a solid action plan and community support. Stay strong together. - [Understanding IRMAA: What You Need to Know for 2025](https://solidhealthinsurance.com/understanding-irmaa-what-you-need-to-know-for-2025/) - Medicare IRMAA 2025 update: Key details on income adjustments for the upcoming year. Equip yourself with knowledge to manage your healthcare costs. - [2025 Health Insurance in California: Key Changes, Rates, and Enrollment Periods](https://solidhealthinsurance.com/2025-health-insurance-in-california-key-changes-rates-and-enrollment-periods/) - Discover 2025 health insurance updates in California: Important changes, new rates, and enrollment periods. Stay informed and covered.Barbara Kempen - [Inflation Reduction Act and Medicare 2025: Significant Changes Explained](https://solidhealthinsurance.com/inflation-reduction-act-and-medicare-2025-significant-changes-explained/) - Learn how the Inflation Reduction Act will change Medicare in 2025. Detailed overview of cost savings, new benefits, and significant updates for senior care. - [Covered California Announces 2025 Health Plans and Rates: What You Need to Know](https://solidhealthinsurance.com/covered-california-announces-2025-health-plans-and-rates-what-you-need-to-know/) - Covered California reveals 2025 health plans and rates. Essential insights into changes, benefits, and how these updates will affect your healthcare coverage. - [Don't Forget to Update Your Health Insurance Now, 2024 Graduates](https://solidhealthinsurance.com/dont-forget-to-update-your-health-insurance-now-2024-graduates/) - Congrats Class of 2024! Secure Your Health Insurance as You Begin Your Career. Contact Solid Health Insurance Agency for free help. - [Wedding Season Check-up: Why Newlyweds Should Review Their Health and Life Insurance!](https://solidhealthinsurance.com/wedding-season-check-up-why-newlyweds-should-review-their-health-and-life-insurance/) - Just married? Make sure your insurance up to date. Learn why reviewing your policies is a must for after the wedding to secure a safe and healthy future. - [Why are my prescriptions increasing Mid Year?](https://solidhealthinsurance.com/why-are-my-prescriptions-increasing-mid-year/) - Effectively navigate the 2024 Medicare coverage gap through strategic planning, exploring alternative sources for prescriptions, and staying informed. - [Why is Dental Insurance Important?](https://solidhealthinsurance.com/why-is-dental-insurance-important/) - Explore the benefits of dental insurance in California for 2024. Learn how to protect your oral health, save on costs, and choose the best plan for your needs. - [How to be Critical Illness Prepared: Prioritizing Your Team’s Well-Being](https://solidhealthinsurance.com/how-to-be-critical-illness-prepared-prioritizing-your-teams-well-being/) - Prioritize well-being: Explore strategies to protect your team during challenging times of critical illness. Compassionate workplace resilience matters. - [Life Insurance for Moms: Protecting Your Family's Future](https://solidhealthinsurance.com/life-insurance-for-moms-protecting-your-familys-future/) - Explore affordable insurance options for moms, including term, whole, and universal life insurance, ensuring financial security & peace of mind for the family. - [The Pharmacy Benefit Managers (PBMs) Unveiled: Your Guide to Understanding Prescription Drug Costs](https://solidhealthinsurance.com/the-pharmacy-benefit-managers-pbms-unveiled-your-guide-to-understanding-prescription-drug-costs/) - Stay informed about Prescription Drug Costs with our comprehensive guide to Pharmacy Benefit Managers (PBMs). Don't miss out! - [Navigating Uncertainty: Blue Shield vs. Providence Negotiation Standoff](https://solidhealthinsurance.com/navigating-uncertainty-blue-shield-vs-providence-negotiation-standoff/) - The ongoing dispute between Blue Shield of California and Providence threatens to disrupt the affordability and accessibility of healthcare services. - [Why you should consider Long-Term Care Insurance in 2024?](https://solidhealthinsurance.com/why-you-should-consider-long-term-care-insurance-in-2024/) - Discover why long-term care insurance is crucial for aging Americans. Explore options and secure your future with peace of mind. - [Why Life Insurance for Women Matters The Most?](https://solidhealthinsurance.com/why-life-insurance-for-women-matters-the-most/) - Affordable and reliable life insurance options designed to support women at every stage of life. Protect what matters most. - [Federal Poverty Level (FPL) for 2024](https://solidhealthinsurance.com/federal-poverty-level-fpl-for-2024/) - Discover the Californian Federal Poverty Level guidelines, providing crucial insights into income thresholds for assistance programs. - [Special Enrollment Period 2024](https://solidhealthinsurance.com/special-enrollment-period-2024/) - Special Enrollment Period runs from February 1st to October 31st. Explore health coverage options, and be insured now! - [Optum and Providence bid farewell to Anthem's Individual Health Insurance](https://solidhealthinsurance.com/optum-and-providence-bid-farewell-to-anthems-individual-health-insurance/) - Optimism fuels healthcare as Optum and Providence Health depart Anthem Blue Cross HMO, ushering in bright possibilities from Jan 1, 2024 - [Medicare Open Enrollment 2024: What You Need to Know](https://solidhealthinsurance.com/medicare-open-enrollment-2024-what-you-need-to-know/) - Get ready for the annual open enrollment for Medicare. Compare plans and make informed choices for your healthcare. Learn more about the 2023 options. - [Small Businesses: Get Ahead with the 2024 Special Enrollment Period](https://solidhealthinsurance.com/small-businesses-get-ahead-with-the-2024-special-enrollment-period/) - Don't miss out on the 2024 Special Enrollment Period for Small Businesses! Explore tailored insurance options and seize the chance of your business to thrive. - [Open Enrollment 2023/2024: Your Guide to Affordable Health Coverage](https://solidhealthinsurance.com/open-enrollment-2023-2024-your-guide-to-affordable-health-coverage/) - Prepare for 2023 Open Enrollment: Explore healthcare options and make informed decisions for your coverage. Don't miss key dates and insights! - [Blue Shield 15 percent premium increase for 2024 in California—what to do now!](https://solidhealthinsurance.com/blue-shield-15-percent-premium-increase-for-2024-in-california-what-to-do-now/) - Dive into Blue Shield's 2024 15 percent price increase. Uncover impacts, understand changes, and make informed healthcare decisions with our guide. - [Saying Goodbye to Oscar in 2024: Your Ultimate Guide to Health Insurance Options](https://solidhealthinsurance.com/saying-goodbye-to-oscar-in-2024-your-ultimate-guide-to-health-insurance-options/) - 03 Discover post-Oscar health insurance options in 2024. Your essential guide for seamless transitions and informed choices. - [Temporary Employee Limits: Striking The Right Balance For Your Business](https://solidhealthinsurance.com/temporary-employee-limits-striking-the-right-balance-for-your-business/) - In the dynamic landscape of employment, a pertinent inquiry often emerges: "Is there a limitation on the length of time that an employee can be classified as a temporary employee?" This question underscores the significance of understanding the temporal boundaries within which temporary employment operates. Let us delve into and shed light on the constraints - [Medicare Drug Prices Negotiations: Unveiling Of A Breakthrough](https://solidhealthinsurance.com/medicare-drug-prices-negotiations-unveiling-of-a-breakthrough/) - The United States Department of Health and Human Services (HHS), in collaboration with the Centers for Medicare and Medicaid Services (CMS), has just announced the list of the first 10 drugs under Medicare Part D set to undergo negotiation. Below are the names of the 10 prescription drugs that are currently planned for negotiation. Arbitrations - [Elevating California Health Care: New State-Enhanced Cost-sharing Reduction Program](https://solidhealthinsurance.com/elevating-california-health-care-new-state-enhanced-cost-sharing-reduction-program/) - In 2024 Covered California offers Californians whose incomes are no more than 250% of the federal poverty level to be eligible for three silver plans that will require no deductible. These are household earnings of at least $33,975 for an individual and $69,375 for families of four. The new state-enhanced cost-sharing reduction (CSR) program plans will - [Sneak Peek: Venture Into The Covered California 2024 Rates](https://solidhealthinsurance.com/sneak-peek-venture-into-the-covered-california-2024-rates/) - Covered California just released the rates and new benefit structure for 2024. Health insurance rates will climb an average of 9.6% statewide in 2024 for consumers who buy their coverage through Covered California, according to the agency. However, by switching insurance carriers, Californians may avoid that steep increase. This rate change can be attributed to - [The 2018 Special Enrollment Period for Small Businesses Begins!](https://solidhealthinsurance.com/the-2018-special-enrollment-period-for-small-businesses-begins-2/) - Did you know that from November 15th - December 15th, you can enroll your small business without meeting the Minimum Participation Requirement? - [Qualifying Life Events in order to obtain Health Insurance](https://solidhealthinsurance.com/qualifying-life-events-in-order-to-obtain-health-insurance/) - Life is full of unexpected twists and turns, and sometimes those changes can impact your insurance coverage. But did you know that certain life events may qualify you for a Special Enrollment Period to make changes to your insurance policy? That's right—if you've experienced a qualifying life event, you may still be able to enroll - [Congratulation on your Graduation- review your health insurance coverage](https://solidhealthinsurance.com/congratulation-on-your-graduation-review-your-health-insurance-coverage/) - Congratulation on your recent Graduation! Plrase be reminded that your health insurance might expire from your school and you need to buy health insurance over the Individual market. Please contat Solid Health Insurance for your free quote. - [Does it make sense to buy dental insurance?](https://solidhealthinsurance.com/does-it-make-sense-to-buy-dental-insurance/) - Many of us questioning to buy dental insurance. However Californians should consider buying dental insurance as the free preventative cleanings will help to keep your teeth clean/ - [Making a Safe and Respectful Workplace a Priority for Small Businesses](https://solidhealthinsurance.com/making-a-safe-and-respectful-workplace-a-priority-for-small-businesses/) - Tips on handling a harrasment complaing for small business. - [1095 Health Insurance Tax Forms](https://solidhealthinsurance.com/1095-health-insurance-tax-forms/) - The article explains the importance of 1095 forms and how to reconile hem at tax trime - [Life insurance is important to Women](https://solidhealthinsurance.com/life-insurance-is-important-to-women/) - We just passed International Women's Day on March 8th. Did you know that 70 % of US households rely on women's salaries for financial stability? More than 40 % of women are the sole and primary breadwinners in the family. However, often protecting women with life insurance is often set aside. Life insurance does not - [Why you should consider Long-Term Care Insurance?](https://solidhealthinsurance.com/why-you-should-consider-long-term-care-insurance/) - Despite the fact that the American population is aging rapidly, only about 1 in 30 Americans and about 7% of adults over the age of 50 are carrying Long-Term Care insurance. Studies show that someone turning 65 today has almost a 70% chance of needing some type of long-term care service. Women need care longer - [Changes in Medicaid as the Pandemic Era Expires](https://solidhealthinsurance.com/changes-in-medicaid-as-the-pandemic-era-expires/) - States are preparing to remove millions of people from Medicaid as protection coverage enacted during the COVID-19 pandemic will expire. In California, the state welfare program is called Medi-Cal and not Medicaid, as it is called in the other states. The upheaval, which will begin this April, will put millions of low-income Americans at risk - [Are you taking advantage of your free preventative exam?](https://solidhealthinsurance.com/are-you-taking-advantage-of-your-free-preventative-exam/) - Although it might take some time to set up your free preventative exam with your in-network doctor, it is well worth taking advantage of this benefit. Any health insurance plan regulated by the Affordable Care Act offers 10 essential health benefits, including free preventative care. What exactly is preventative care? It is care that helps - [Special Enrollment Period 2023](https://solidhealthinsurance.com/special-enrollment-period-2023/) - Starting February 1, 2023, the Annual Open Enrollment Period ends and the Special Enrollment Period begins. During the Special Enrollment Period from February 1st to November 1st, 2023, anyone seeking to enroll in or change their existing health insurance must have had a so-called "qualifying life event" within the last 60 days. Below are some - [How to register your health insurance card online in 2023](https://solidhealthinsurance.com/how-to-register-your-health-insurance-card-online-in-2023/) - By now, you should have received your new health insurance subscriber ID card for 2023. Be sure you register your insurance card online, which allows you to easily find doctors who are in your health plan’s network, review your benefits, view your claim history, and make your monthly payments. If you have an HMO, it - [1095-tax forms are processed by End of January](https://solidhealthinsurance.com/1095-tax-forms-are-processed-by-end-of-january/) - The Irs Form 1095-A is an important federal tax document that serves as proof of Minimum Essential Coverage for health care and lists the amount which was paid to Covered California Qualified Health Plan carriers to help with a consumer's health insurance coverage. Covered California will begin to send out the 1095-A tax form in - [What are the benefit changes in 2023 in Covered California](https://solidhealthinsurance.com/what-are-the-benefit-changes-in-2023-in-covered-california/) - Each renewal season the ACA and Covered Covered adjust their benefit structure slightly. Whereas we saw in 2022 benefits improvements while lowering the medical and pharmacy deductible for the upcoming renewal season in 2023 we see major benefit reductions on the Silver 70 and Silver 73 benefits plans. The Silver plans are the most popular - [How the Inflation Reduction Act helps Medicare Policyholders](https://solidhealthinsurance.com/how-the-inflation-reduction-act-helps-medicare-policyholders/) - One of the key provisions of the Inflation Rescue Act which was implemented last month will help Medicare policyholders to lower drug costs. Medicare will have the right to negotiate prices for prescription drugs for the first time since Congress enacted a prescription drug benefit for seniors in 2003. However the price negotiations will start - [How will the Inflation Reduction Act affect your health insurance](https://solidhealthinsurance.com/how-will-the-inflation-reduction-act-affect-your-health-insurance/) - The Inflation Reduction Act was Signed into Law! Recently, President Biden marked the Inflation Reduction Act (IRA) into regulation. The IRA is noteworthy health care, tax, and climate change policy provision that incorporates arrangements to broaden the expanded and extended monetary assistance at first included in the American Rescue Plan (ARP). This is very welcome news that the - [Covered California announces its 2023 rate increase](https://solidhealthinsurance.com/covered-california-announces-its-2023-rate-increase/) - This article informs and gives the press release of Covered CA preliminary 6 % average rate increase for 2023. - [Employers are Rethinking Their Employee Benefits](https://solidhealthinsurance.com/employers-are-rethinking-their-employee-benefits/) - The COVID-19 pandemic has dramatically changed the employer-employee relationship after the effects of the pandemic on everyone's physical, mental, social, and financial lives. With employers having more consideration for the health of their employees, many employers are reviewing how to maximize their employee benefits with a reasonable budget. One trend in the health insurance marketplace - [Health Insurance after Marriage](https://solidhealthinsurance.com/health-insurance-after-marriage/) - Wedding season is in full bloom from early spring to fall. Planning your wedding and a future together is a time full of excitement, love, and joy. Marriage is a wonderful union of two people who intend to spend the rest of their lives together. A healthy marriage relies on good communication, mutual support, love, - [New Policy for Release from Medi-Cal](https://solidhealthinsurance.com/changes-to-release-from-medi-cal/) - During the COVID-19 pandemic, millions of Americans lost their jobs and health insurance benefits. Many Californians became eligible for Medi-Cal, the state's Medicaid, and have stayed on Medi-Cal while the pandemic continues. Even if your income is now above the cutoff for Medi-Cal, you may still be eligible to continue on your insurance until the - [Health Insurance Options after Graduation](https://solidhealthinsurance.com/health-insurance-options-after-graduation/) - Congratulations to the Class of 2022 graduates! With graduations in full swing, now is the time to start seriously planning for your future. One important subject to consider is your health and, with that, your health insurance. Are you starting a job that offers health insurance? Are you still eligible for health insurance with your - [New Mandatory Retirement Plans for Businesses with 5+ Employees](https://solidhealthinsurance.com/new-mandatory-retirement-plans-for-businesses-with-5-employees/) - Starting in June, any California employer with 5 or more W-2 employees will be required to offer a qualified retirement plan to their employees. California introduced its own affordable retirement plan called CalSavers last year which is a Roth Individual Retirement Account or Roth IRA. While CalSavers is an option for small businesses, they can - [Free Preventative Care In Your Health Insurance](https://solidhealthinsurance.com/free-preventative-care-in-your-health-insurance/) - Any health insurance plan regulated by the Affordable Care Act offers 10 essential health benefits, including free preventative care. What exactly is preventative care? It is care that helps detect and prevent serious illness. Everyone should be taking advantage of the free preventative care benefit included in their health insurance. We all need to stay - [Changes to 2023 HSA Contribution Limits](https://solidhealthinsurance.com/changes-to-2023-hsa-contribtuions/) - In 2023, there are major increases to the HSA or Health Savings Account contribution limits. An HSA or Health Savings Account is a tax-advantaged investment account that can be withdrawn from for qualified medical expenses tax-free. The funds you deposit into an HSA can be invested much like an IRA into equities, bonds, and other - [Reasons to Book Travel Insurance For Your Next Trip](https://solidhealthinsurance.com/reasons-to-book-travel-insurance-for-your-next-trip/) - 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 true medical emergency. Group health insurance plans may have international - [Life Insurance For Mothers](https://solidhealthinsurance.com/life-insurance-for-mothers/) - 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 mom or for your spouse is - [Review & Update your Income Reported on Covered CA](https://solidhealthinsurance.com/review-update-your-income-reported-on-covered-ca/) - 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 annual review of your reported income on Covered CA. Especially with the flux - [Can I offer my employees a health insurance stipend?](https://solidhealthinsurance.com/can-i-offer-my-employees-a-health-insurance-stipend/) - 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 stipends to help pay for their employees' individual health insurance plans. There are two - [Proposed Solution to "Family Glitch" Rule](https://solidhealthinsurance.com/proposed-solution-to-family-glitch-rule/) - 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 Covered CA when the family is also offered insurance by an employer. Currently, the - [1095 & 3895 Health Insurance Tax Forms](https://solidhealthinsurance.com/1095-3895-health-insurance-tax-forms/) - 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 a tax penalty for not having minimum essential health - [Funding your HSA](https://solidhealthinsurance.com/funding-your-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 but the withdrawals must be used only for - [New Special Enrollment Period Qualifying Life Events](https://solidhealthinsurance.com/new-special-enrollment-period-qualifying-life-events/) - [et_pb_section admin_label=”section”] [et_pb_row admin_label=”row”] [et_pb_column type=”4_4″][et_pb_text admin_label=”Text”] 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 - [Dental Plans for Orthodontia Coverage](https://solidhealthinsurance.com/dental-plans-for-orthodontia-coverage/) - 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 waiting periods before your orthodontic benefit is available. The only dental - [Tax Penalty for Not Having Health Insurance](https://solidhealthinsurance.com/tax-penalty-for-not-having-health-insurance/) - 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 their own state tax penalty for not having health insurance which went - [Reflections On The 2 Year Anniversary Of The Pandemic](https://solidhealthinsurance.com/reflections-on-the-2-year-anniversary-of-the-pandemic/) - On March 11, we mark the second anniversary of the World Health Organization’s declaration of COVID-19 as a global pandemic. Two years ago, we could never have imagined how much the pandemic would alter our daily lives. Over 950,000 American lives have been lost due to the pandemic and 6 million worldwide. We have seen - [Thinking of buying Long-Term Care Insurance in California?](https://solidhealthinsurance.com/thinking-of-buying-long-term-care-insurance-in-california/) - Despite the fact that the American population is aging rapidly, only about 1 in 30 Americans and about 7% of adults over the age of 50 are carrying Long-Term Care insurance. Studies show that someone turning 65 today has almost a 70% chance of needing some type of long-term care service. Women need care longer - [Does It Make Sense To Switch Your Grandfathered Health Insurance Plan?](https://solidhealthinsurance.com/grandfathered-health-insurance-plans/) - First of all, you might ask what is Grandfathered Health Insurance Plan? Health insurance plans sold on or before the introduction of the Affordable Care Act (ACA) on March 23rd, 2010, are considered grandfathered plans. These plans still exist today for both individuals and businesses. New employees and family members (dependents) may still be added - [Tax Time for Small Businesses](https://solidhealthinsurance.com/tax-time-for-small-businesses/) - With the excitement of the new year comes something not so exciting, tax deadlines! Although no one likes to file taxes, it is simply too important to ignore. Below, we have compiled a list of tax deadlines for both employers & individuals. If you are thinking of offering health insurance Tax Deadlines January 31st - - [The Need for Business Disability Insurance](https://solidhealthinsurance.com/the-need-for-business-disability-insurance/) - While disability insurance is covered by less than half of employers, it is a vital benefit for all employees but especially important for key employees & business owners of a business. Business owners, partners, managers, doctors, realtors, attorneys, truck drivers, and other jobs that may severely be impacted by a disability; how will your business - [Oscar Health Continues to Grow in California](https://solidhealthinsurance.com/oscar-health-continues-to-grow-in-california/) - Credit: Richard Perry/The New York Times/Redux For most health insurance carriers in California, we are seeing little change in the provider networks or plan offerings. For Oscar, things have certainly changed over the course of 2018. Oscar started offering business plans in Los Angeles & Orange County on June 1st, 2018 and will start offering - [Free Benefits Included in Your Health Insurance](https://solidhealthinsurance.com/free-benefits-included-in-your-health-insurance/) - If you are enrolled in an Affordable Care Act-compliant health insurance plan, there are plenty of free services included with your plan. All health insurance plans are required to cover your annual wellness exam free of charge. Other free preventative services include the women's wellness exam, immunizations, vaccinations, pap smear, cholesterol screening, depression screening, breast - [Special Enrollment Period for Health Insurance Begins](https://solidhealthinsurance.com/special-enrollment-period-for-health-insurance-begins/) - Starting February 1st, 2022, the annual Open Enrollment Period ends and the Special Enrollment Period begins. During the Special Enrollment Period from February 1st to November 1st, 2022, anyone seeking to enroll in or change their existing health insurance must have what is called a "qualifying life event" within the last 60 days. Below are - [Risk Insurance is a better name for Term Life insurance](https://solidhealthinsurance.com/risk-insurance-is-a-better-name-for-term-life-insurance/) - Half of all Americans do not carry life insurance. Maybe the association with death and the overestimating of the cost of life insurance are keeping so many Americans away from considering buying life insurance. I prefer to call life insurance risk insurance, as you are transferring the risks associated with living expenses to a life - [Required Tax Forms for Minimum Essential Health Coverage & Premium Assistance](https://solidhealthinsurance.com/required-tax-forms-for-health-insurance/) - Covered California will begin to send out the 1095 B and 3895 tax forms in the 3rd and 4th week of January. When you file your taxes later this year, you will need to make sure that you have your 1095 tax document which will be distributed by either Covered CA (1095-A), your health insurance - [Health Insurance Member Registration & Perks](https://solidhealthinsurance.com/health-insurance-member-registration-perks/) - By now, you should have received your health insurance subscriber ID card. Be sure you register your insurance card online, which allows you to easily find doctors who are in your health plan’s network, review your benefits, view your claim history and make your monthly payments. First, make sure to discard any old subscriber ID - [Steps to Register your Health Insurance Policy](https://solidhealthinsurance.com/steps-to-register-your-health-insurance-policy/) - After receiving your subscriber ID card, you should make sure to register for the member portal to take full advantage of your member benefits, discounts and more. - [Steps to Register your Health Insurance Policy](https://solidhealthinsurance.com/steps-to-register-your-health-insurance-policy-2/) - After receiving your subscriber ID card, you should make sure to register for the member portal to take full advantage of your member benefits, discounts and more. - [Complimentary Small Business Benefits Administration](https://solidhealthinsurance.com/new-free-small-business-benefits-administration/) - Many small businesses and start-up businesses want to attract their employees with easy electronic employee onboarding, online benefits administration, and even payroll coordination. Solid Health Insurance Service is offering a complimentary electronic onboarding system to our small business clients, with the state-of-the-art Ease program, a benefits administration and HR solutions software tool, to transition away - [Special Enrollment Period for Small Businesses in California](https://solidhealthinsurance.com/special-enrollment-period-for-small-businesses-2/) - Every year, small group health insurance carriers offer a special window for small businesses to start a small group health insurance policy with relaxed underwriting. This period is known as a Special Enrollment Period and starts on November 15th through December 15th. During this period, small businesses can start a small group health insurance policy - [Major Changes to the ACA Silver 70 Plans in 2022 in California](https://solidhealthinsurance.com/major-changes-to-the-silver-plans-in-2022/) - Starting in 2022, we are seeing some positive changes to the Silver 70 plan benefits for both Covered CA & off-exchange (direct-to-carrier) plans. The Silver plans are the most popular plan selection of the 4 metal tier options (Bronze, Silver, Gold & Platinum). The biggest change to the Silver 70 plan for 2022 is the - [What's new for Anthem Blue Cross in 2022?](https://solidhealthinsurance.com/whats-new-for-anthem-blue-cross-in-2022/) - In 2022, Anthem Blue Cross is expanding into more regions of California for the individual and family health insurance market. Anthem will be expanding into North Bay, Sacramento, San Francisco, Contra Costa, Alameda & San Mateo. That means Anthem will offer health insurance plans in a total of 18 out of 19 price regions in - [What is changing for Blue Shield of California in 2022](https://solidhealthinsurance.com/new-for-blue-shield-of-ca-in-2022/) - In 2022, Blue Shield of California will have some major changes as well as expansions of some of their plans into new regions. Blue Shield will be expanding its Trio HMO network into Santa Barbara & Monterey for the individual and family market in 2022. In Santa Barbara, the Trio HMO will have Sansum Clinic - [What's new with Covered California for 2022?](https://solidhealthinsurance.com/whats-new-with-covered-california-for-2022/) - As the annual Open Enrollment Period approaches this fall, there are some major changes to be aware of for your health insurance renewal. In 2022, Covered California ( Covered CA) premium rates will have a modest weighted average premium increase of 1.8% across California. Some insurance carriers are seeing premiums drop such as LA Care - [Have you updated your Information with Covered California or Health Insurance Carrier?](https://solidhealthinsurance.com/update-your-information-with-your-health-insurer/) - Keeping your information up-to-date is critical for many things and health insurance is no exception. As the renewal season for your health insurance starts October 1st 2021, it is important to make sure that your insurance carrier has the most up-to-date address, contact information, household composition, and, if you applied through Covered California ( Covered - [Covered California announced their 2022 health insurance rates](https://solidhealthinsurance.com/covered-california-announced-their-2022-health-insurance-rates/) - Great news! Covered California just announced that its 2022 rate increase will be 1.8 percent for the individual and family health plans in California. This small increase is due to the American Rescue Plan which grants more financial help for California families. Currently, a record 1.6 million Californians are enrolled in Covered California. This healthy - [Planning ahead after Graduation](https://solidhealthinsurance.com/planning-ahead-after-graduation/) - As school graduation ceremonies are in full swing this summer, we want to congratulate the class of 2021 who have dedicated countless hours and resources to learn valuable subjects and skillsets which will hopefully translate into the real world with rewarding careers. This academic year has been like no other, but the students and faculty - [American Rescue Plan alleviates health insurance premiums](https://solidhealthinsurance.com/american-rescue-plan-alleviates-health-insurance-premiums/) - With the signing into law of the American Rescue Plan by President Joe Biden on March 11th, not only do most Americans receive stimulus checks, but many Americans also qualify for additional health insurance premium assistance through premium tax credits. In California, we expect to see $3 billion in additional premium tax credits from the - [New Health Insurance Subsidies from the American Rescue Plan](https://solidhealthinsurance.com/new-health-insurance-subsidies-from-the-american-rescue-plan/) - Thanks to the American Rescue Plan, more of America's middle class will be eligible to receive health insurance premium assistance through Covered CA statewide or through Healthcare.gov nationwide. The premium assistance cutoff has been bumped up from 400% of the Federal Poverty level (FPL) to 600% of the FPL and goes into effective April 12th - [Covered California just announced a new Special Enrollment Period to take advantage of the American Rescue Plan](https://solidhealthinsurance.com/covered-california-just-announced-a-new-special-enrollment-period-to-take-advantage-of-the-american-rescue-plan/) - Starting on April 12th, 2021, Covered California will have a new Special Enrollment Period which will run through the end of 2021. This new Special Enrollment Period will allow Californians, who will be eligible due to the American Rescue Plan, to apply for health insurance through Covered CA without a traditional qualifying life event. Normally, - [Expanded Health Insurance Subsidies with COVID Relief](https://solidhealthinsurance.com/increased-health-insurance-subsidies-with-covid-relief/) - With the new $1.9 trillion COVID-19 stimulus signed into law An individual making $25,760 or a family of four making $53,000 will only have to pay up to 2% of their household income for health insurance premiums vs. the current 6.52%. Middle-class households making between 400-600% of the Federal Poverty level will also benefit with - [COVID-19 One Year Anniversary](https://solidhealthinsurance.com/covid-19-one-year-anniversary/) - Last year on March 19, 2020, the first lockdown began with the Stay at Home order to combat the spread of Covid-19. Most of us did not imagine how much our daily life would be changed. One year later, many of us are more humble while realizing how fragile life can be and appreciating the - [Long-term care during COVID-19](https://solidhealthinsurance.com/long-term-care-during-covid-19/) - During the COVID-19 pandemic, long-term care facilities ( LTC) have been hit the hardest. More than one-third of all COVID-19 deaths in California coming from long-term care residents and staff. There are a variety of factors at play such as the high turnover and constant flux of long-term care staffing as well as limited facility - [Cigna + Oscar expand into LA, OC, & San Diego](https://solidhealthinsurance.com/cigna-oscar-expand-into-la-oc-san-diego/) - As of April 1st, 2021, the Cigna + Oscar small group health insurance plans will be available in more regions across California. This is an exciting new partnership between Cigna, one of the largest health insurance carriers focused primarily with large businesses, and Oscar, a much younger and smaller health insurance carrier focused on small - [Cigna & Oscar Partner Up in the Bay Area](https://solidhealthinsurance.com/cigna-oscar-partner-up-in-the-bay-area/) - One of the most interesting partnerships in the health insurance industry recently is the partnership between Cigna & Oscar which started offering small business plans in the Bay area in the 3rd quarter of 2020. With the combination of Cigna's large provider network and national reach with Oscar's local and personalized care, the partnership should - [How do insurance pay for COVID-19 & Free Preventative Care](https://solidhealthinsurance.com/waived-member-cost-shares-for-covid-19-free-preventative-care/) - While we are still in the middle of the COVID-19 pandemic which has impacted Americans for more than a year now, depending on your health insurance plan many insurance carriers are still waiving the member cost-shares for the testing, treatment, and vaccination for COVID-19. Some carriers have stopped waiving the cost-share for treatment but are - [Oscar helps their members to stay fit during Covid-19](https://solidhealthinsurance.com/oscar-helps-their-members-to-stay-fit-during-covid-19/) - Oscar Health is one of the fastest-growing health insurance carriers in the Los Angeles, Orange County, and San Francisco area and, in 2021, Oscar just implemented new perks for their members to stay fit during the pandemic, besides offering an affordable and easy-to-use health plan. Oscar understands that exercising and keeping up with healthy habits - [Extended Special Enrollment Period Through May 15th due to COVID-19](https://solidhealthinsurance.com/extended-special-enrollment-period-through-may-15th/) - On January 28th, 2021, President Joe Biden signed an executive order to allow uninsured Americans to still apply for health insurance from February 15th to May 15th, 2021 due to the ongoing COVID-19 pandemic. This allows people who are currently uninsured to be able to apply for health insurance during the Special Enrollment Period without - [Prop 22 Health Insurance Stipends](https://solidhealthinsurance.com/prop-22-health-insurance-stipends/) - California's Proposition 22, also known as App-Based Drivers as Contractors and Labor Policies Initiative, was passed during the 2020 election. The proposition excludes app-based drivers from companies such as Uber, Lyft, Amazon Flex, Grubhub, and others from Assembly Bill 5 which recategorized many contractors as employees. With the passing of Prop 22, these app-based drivers - [1095 Tax Documents are now being mailed out](https://solidhealthinsurance.com/1095-tax-documents-are-now-being-mailed-out/) - With the new year comes a new you but also, unfortunately, dealing with taxes for last year. When you file your 2020 taxes later this year (Tax day is Thursday, April 15th), you will need to make sure that you have your 1095 tax document which will be distributed by either Covered CA (1095-A), your - [Feeling stressed during the pandemic? Try teletherapy](https://solidhealthinsurance.com/telemedicine-during-covid-19-2/) - As people are mandated to abide by nationwide stay-at-home orders, it is easy to see why telemedicine is more important than ever. - [How will health insurance change under President Elect Biden?](https://solidhealthinsurance.com/how-will-health-insurance-change-under-president-elect-biden/) - Under president-elect Joe Biden, we will likely see an expansion of the Affordable Care Act depending on a few key events. - [COVID-19 Vaccinations, will my health insurance cover it?](https://solidhealthinsurance.com/covid-19-vaccinations-will-my-health-insurance-cover-it/) - With Pfizer/BioNTech's COVID-19 vaccine already approved for emergency use by the FDA and quickly being distributed across the U.S. and globally, rest assured that you should not have to pay anything for the vaccination at in-network providers. - [Free COVID-19 Testing, Treatment & Preventative Care](https://solidhealthinsurance.com/free-covid-19-testing-treatment-preventative-care/) - Did you know that your health insurance has waived member cost-shares for COVID-19 screening, testing, and treatment just like it does for preventative care? - [Special Enrollment Period for Small Businesses](https://solidhealthinsurance.com/special-enrollment-period-for-small-businesses/) - From November 15th to December 15th, health insurance carriers are offering relaxed underwriting for small businesses to offer their employees health insurance. - [How will the Supreme Court Rule on the ACA?](https://solidhealthinsurance.com/how-will-the-supreme-court-rule-on-the-aca/) - The Supreme Court is expected to begin hearing legal arguments over the constitutionality of ACA on November 10th, 2020 with a ruling expected by June of 2021. - [New Labor Laws for Workers Comp, Classification of Employees and Paid Sick Leave](https://solidhealthinsurance.com/new-labor-laws-for-workers-comp-classification-of-employees-and-paid-sick-leave/) - SB-1159 assumes employees who contracted COVID-19 within 14 days of their last day on the job may be entitled to workers compensation claims while AB-2257 exempts certain contracts from the Dynamex ruling. - [What are the changes to my health insurance in 2021?](https://solidhealthinsurance.com/what-are-the-changes-to-my-health-insurance-in-2021/) - Surprisingly, despite the COVID-19 pandemic, we are seeing a record low health insurance rate increase of 0.6% in 2020 with some carriers even expanding their offerings in 2021. - [Telemedicine during COVID-19](https://solidhealthinsurance.com/telemedicine-during-covid-19/) - As people are mandated to abide by nationwide stay-at-home orders, it is easy to see why telemedicine is more important than ever. - [Extended Special Enrollment Period through end of 2020 due to Wildfires](https://solidhealthinsurance.com/extended-special-enrollment-period-through-end-of-2020-due-to-wildfires/) - On August 24th, Covered CA announced that it is extending the Special Enrollment Period through the end of 2020 due to the recent fires and COVID-19. - [Back to School during COVID-19](https://solidhealthinsurance.com/back-to-school-during-covid-19/) - This year "the "Back-To-School Season" is marked with much uncertainty and creates a heavy burden for many families in California. As the CDC so appropriately expresses " everyone's goal is to prioritize the reopening of schools as safely and as quickly given the many known and established benefits of in-person learning", there is still plenty - [Pandemic Unemployment Assistance Extended by Executive Order](https://solidhealthinsurance.com/pandemic-unemployment-assistance-extended-by-executive-order/) - On August 8th, 2020, President Donald J. Trump signed an executive order to apply an additional $400 in weekly unemployment benefits through the Disaster Relief Fund. - [Covered CA has announced a statewide rate increase of 0.6% for 2021](https://solidhealthinsurance.com/covered-ca-has-announced-a-statewide-rate-increase-of-0-6-for-2021/) - On August 4th, Covered CA has announced that Californians will see a record low 0.6% weighted average rate increase to their health insurance in 2020. - [Special Enrollment Period Extended in California through August 31st due to COVID-19](https://solidhealthinsurance.com/special-enrollment-period-extended-in-california-through-july-31st-due-to-covid-19-2/) - As the coronavirus has continued to spread across the United States and globally, Covered CA has announced that the Special Enrollment Period has been extended for those impacted by the coronavirus through July 31st. - [Special Enrollment Period Extended in California through July 31st due to COVID-19](https://solidhealthinsurance.com/special-enrollment-period-extended-in-california-through-july-31st-due-to-covid-19/) - As the coronavirus has continued to spread across the United States and globally, Covered CA has announced that the Special Enrollment Period has been extended for those impacted by the coronavirus through July 31st. - [Lost your health insurance through your job due to COVID-19?](https://solidhealthinsurance.com/lost-insurance-through-your-job-due-to-covid-19/) - Have you lost your job in the wake of the coronavirus? Unfortunately, millions of Americans have experienced the same situation with the unemployment reaching 14.7% as of April - [Kaiser vs Oscar - Pros & Cons during COVID-19](https://solidhealthinsurance.com/kaiser-vs-oscar-pros-cons-during-covid-19/) - In Los Angeles. many people shopping for health insurance are comparing two of the most cost-effective carriers, Kaiser's HMO and Oscar's EPO. - [Pros & Cons of Oscar and Blue Shield during COVID-19](https://solidhealthinsurance.com/pros-cons-of-oscar-and-blue-shield-during-covid-19/) - With many of our clients deciding between Oscar & Blue Shield, we wanted to go over the pros and cons of both health insurers in the LA & OC region. - [New Qualified Expenses for HSAs, FSAs & HRAs](https://solidhealthinsurance.com/new-qualified-expenses-for-hsas-fsas-hras/) - The new CARES Act or Coronavirus Aid, Relief, and Economic Security Act expands the list of qualified expenses for HSAs, FSAs, and HRAs. - [Fed Replenishes PPP Plus New Funding for Hospitals](https://solidhealthinsurance.com/fed-replenishes-ppp-plus-new-funding-for-hospitals/) - President Trump signed on April 24th a bill to add $310 billion more for the Paycheck Protection Program, $75 more for emergency hospital funding and $25 billion for increased COVID-19 testing - [The Families First Coronavirus Response Act - Employer Paid Leave Requirements](https://solidhealthinsurance.com/the-families-first-coronavirus-response-act-employer-paid-leave-requirements/) - Employers with 500 or fewer employees are required to provide paid sick if employees have been unable to work due to reasons related to COVID-19. - [What is PPP (Paycheck Protection Program)?](https://solidhealthinsurance.com/what-is-ppp-paycheck-protection-program/) - The Paycheck Protection Program is a loan program through the Small Business Administration that grants up to $349 billion in forgivable loans to businesses. - [Get your Prescriptions Mailed to your Door](https://solidhealthinsurance.com/mail-order-prescriptions/) - Why not order your prescriptions via mail order? All health insurance carriers offer mail-order prescriptions for up to a 90-day supply so you can avoid leaving your home when you are sick. - [Insurance carriers are replying to Coronavirus](https://solidhealthinsurance.com/what-is-your-business-plan-for-the-coronavirus/) - With many industries being affected by the coronavirus, from transportation to healthcare to tourism, has your business mapped out a contingency plan on how to deal with the coronavirus? - [New Qualifying Life Events from Covered California!](https://solidhealthinsurance.com/new-qualifying-life-events-from-covered-california/) - Covered California has introduced two new but temporary qualifying life events from February 18th to April 30th, 2020. Did you recently become aware of the state tax penalty? - [Tax Form 1095-A & 1095-B are mailed in February 2020](https://solidhealthinsurance.com/tax-form-1095-a-1095-b-are-mailed-in-january-2020/) - 1095-A tax forms are needed for filing your taxes for 2019. They are mailed out in January. File them so you are prepared for your tax advisor. - [The Special Enrollment Period for Health Insurance in 2020](https://solidhealthinsurance.com/the-special-enrollment-period-for-health-insurance-2018-2/) - For Californians who want to enroll in a health insurance plan outside of the Open Enrollment Period, they must show proof of a qualifying life event. - [What are Qualifying Life Events in the Special Enrollment Period in order to obtain Health Insurance](https://solidhealthinsurance.com/qualifying-life-events-for-the-special-enrollment-period/) - Have you had a major life event such as loss of employer health insurance, loss of Medi-Cal, recently moved, got married or divorced? You may qualify to enroll in health insurance during the Special Enrollment PEriod. - [Changes to Oscar IFP in 2020](https://solidhealthinsurance.com/changes-to-oscar-ifp-in-2020/) - In 2020, Oscar is making major changes to its plan offerings for the individual/family market. There will be two different EPO networks, no HSA plan offerings and more. - [Take advantage of the Special Enrollment Period for Small Businesses](https://solidhealthinsurance.com/take-advantage-of-the-special-enrollment-period-for-small-businesses/) - Take advantage of the Special Enrollment Period if you want to enroll only few of your employees in a group health plan. - [Updates to the 2020 Individual Health Insurance Market](https://solidhealthinsurance.com/updates-to-the-2020-individual-health-insurance-market/) - Many Californians will be eligible for new premium tax credits, new health insurance plans, and Anthem Blue Cross is coming back to Los Angeles and the Inland Empire. - [California Reintroduces Health Insurance Mandate Enforced by New Tax Penalty](https://solidhealthinsurance.com/california-reintroduces-health-insurance-mandate-enforced-by-new-tax-penalty/) - In 2020, California will reintroduce the tax penalty for not having health insurance. Revenues from this new tax penalty will be used to expand premium tax credits to assist more Californians with their health insurance premiums. - [Covered California releases Regional Health Insurance Rates for 2020](https://solidhealthinsurance.com/covered-california-releases-regional-health-insurance-rates-for-2020/) - Covered CA released the regional rates for 2020 with an average health insurance premium increase of 0.8%. Individuals who make as much as $75k may qualify for subsidies for 2020. - [Covered CA released preliminary 2020 Renewal Rates](https://solidhealthinsurance.com/covered-ca-released-preliminary-2020-renewal-rates/) - On July 9th, 2019, Covered CA released its preliminary rates for the individual and family health insurance market with a weighted average premium increase of 0.8%. - [California Introduces New Health Insurance Mandate](https://solidhealthinsurance.com/california-introduces-new-health-insurance-mandate/) - On June 27th, Governor Gavin Newsom signed his first state budget into law for 2020. With that, California reintroduced the tax penalty for not having minimum essential health insurance. - [How cafeteria plans benefit both the employer and employees](https://solidhealthinsurance.com/how-cafeteria-plans-benefit-both-the-employer-and-employees/) - Section 125 Cafeteria Plans primarily function is for tax savings for employer and employee. There are two forms of plan the POP and FSA plan - [Planning for Retirement with an Increased Life Expectancy](https://solidhealthinsurance.com/planning-for-retirement-with-an-increased-life-expectancy/) - With a 50% chance of a 65 year old reaching the age of 93, many of us can expect to live long and wonderful lives. However, we must factor in future medical costs, Medicare premiums, and other factors that may affect our retirement planning. - [5 Reasons to buy Travel Insurance](https://solidhealthinsurance.com/5-reasons-to-buy-travel-insurance/) - Travel insurance is used to fill the gaps of your health insurance when you are traveling abroad. Standard health insurance does not cover medical evacuation abroad. - [Is an IUL right for you?](https://solidhealthinsurance.com/is-an-iul-right-for-you/) - IULs have exploded since the late 1990’s thanks to Transamerica which first started offering these products in 1997. Now, most major life insurance carriers offer IULs, Term and/or Whole Life Insurance. - [Do you still need your 1095 form for 2019?](https://solidhealthinsurance.com/do-you-still-need-your-1095-form-for-2019/) - As Tax Day approaches on April 15th, the 1095 form should already be mailed out to you. Your 1095 form is a medical statement indicating what months you had minimum essential health insurance. - [Anthem announces another 20%+ rate increase to grandfathered plans](https://solidhealthinsurance.com/anthem-announces-another-20-rate-increase-to-grandfathered-plans/) - Did you just receive a rate increase notice from Anthem of a steep 20%+ increase to your grandfathered health insurance plan? Are you tired of your annual rate increases? - [Happy Chinese Lunar New Year!](https://solidhealthinsurance.com/happy-chinese-lunar-new-year/) - Gung hay fat choy! 2019 is the year of the Pig, a symbol of wealth in Chinese culture. This is a great time to take a moment to review the most important symbol of wealth, your health. - [How do you register your 2019 health insurance card in California](https://solidhealthinsurance.com/registering-for-the-member-portal/) - As members are finalizing their 2019 health insurance, it is important to register for the member portal to view claims, find providers, get discounts, use telemedicine and more. - [Newsom Proposes New Health Insurance Mandate & Tax Penalty](https://solidhealthinsurance.com/newsom-proposes-new-health-insurance-mandate-for-californians/) - On Governor Newsom's first day in office, he introduced a proposal to reinstate the tax penalty for those not enrolled in ACA-compliant health insurance - [Deciding on your 2019 Health Insurance](https://solidhealthinsurance.com/deciding-on-your-2019-health-insurance/) - As we are now in the middle of the annual Open Enrollment Period for health insurance, it is time to review your 2019 health insurance options before the holidays. - [Tips how to find afforable health insurance in Santa Monica](https://solidhealthinsurance.com/tips-how-to-find-afforable-health-insurance-in-santa-monica/) - Here are some helpful tips how to find affordable health insurance in Santa Monica. Shop yearly for your health insurance. The best time to review your health insurance is at year end, as the deductible start from January 1st and ends December 31st, or when you cancel your plan. If you switch plans in the - [Mc Kinsey study projects a drop of employer sponsored health benefit- how will this impact the process of finding affordable health insurance in Brentwood](https://solidhealthinsurance.com/mc-kinsey-study-projects-a-drop-of-employer-sponsored-health-benefit-how-will-this-impact-the-process-of-finding-affordable-health-insurance-in-brentwood/) - Finding affordable health insurance in Brentwood is a difficult process, the most recent Mc Kinsey study projects that over 30 percent of employers will stop offering health benefit in 2014, when new medical insurance exchanges are up in running. The consultants found out that 30 % of the employers would gain economically from dropping health - [The 2018 Special Enrollment Period for Small Businesses Begins!](https://solidhealthinsurance.com/the-2018-special-enrollment-period-for-small-businesses-begins/) - Did you know that from November 15th - December 15th, you can enroll your small business without meeting the Minimum Participation Requirement? - [Trump offers Solution to Cut Medicare Part B Drug Costs](https://solidhealthinsurance.com/trump-offers-solution-to-cut-medicare-part-b-drug-costs/) - The Centers for Medicare & Medicaid Services or CMS has proposed a rule to go into effect in either late 2019 or 2020 that would change how Medicare pays for infused and injected drugs as well as encourage drug vendors to also negotiate prices on specific drugs with the hope of reducing drug costs by an estimated 30%. - [2019 Open Enrollment Period Has Just Begun!](https://solidhealthinsurance.com/2019-open-enrollment-period-has-just-begun/) - Starting October 15th, the Open Enrollment Period allows individuals to apply for health insurance with no medical or qualifying event underwriting. Please do not hesitate to contact us to go over your renewal! - [Can I Get Subsidized Health Insurance if I am Offered Health Insurance by My Employer?](https://solidhealthinsurance.com/can-i-get-subsidized-health-insurance-if-i-am-offered-health-insurance-by-my-employer/) - For most Californians, if you are offered employer-sponsored coverage, you are not eligible for premium tax credits throug Covered California. - [SB 910 May Ban Short-Term Medical Plans in California](https://solidhealthinsurance.com/sb-910-may-ban-short-term-medical-plans-in-california/) - California Senate Bill 910, introduced by Senator Ed Hernandez (D - West Covina), would ban short-term medical plans entirely from the state. - [Alphabet's New $375 Million Investment in Oscar Health](https://solidhealthinsurance.com/alphabets-new-375-billion-investment-in-oscar-health/) - Oscar, one of the newer insurers on the block, has just announced that Alphabet, the parent company of Google, is planning to invest $375 million in the company - [New Restrictions to Medicare Accountable Care Organizations (ACO's)](https://solidhealthinsurance.com/new-restrictions-to-medicare-accountable-care-organizations-acos/) - New changes to the ACO compensation model may substantially cut the number of ACO teams by cutting the current bonus programs. - [2019 Individual Health Insurance Premiums Set to Rise 8.7%](https://solidhealthinsurance.com/2019-individual-health-insurance-premiums-set-to-rise-8-7/) - As of July 19th, 2018, Covered CA has just released their rate increases for the 2019 individual health insurance marketplace. Rates are increasing 8.7% on a weighted average increase over 2018’s rates. - [Small Group Insurance - Understanding the Basics](https://solidhealthinsurance.com/small-group-insurance-understanding-the-basics/) - It is important to go over how to calculate full-time employees, employee participation rates, minimum employer contributions as well as require documentation when considering offering group benefits. - [Association Plans and Their Threat to the ACA](https://solidhealthinsurance.com/association-plans-and-their-threat-to-the-aca/) - Starting September 1st, 2018, small businesses will have easier access to association health insurance plans due to an executive order President Trump signed on October 12, 2017. - [New Challenges to the Affordable Care Act](https://solidhealthinsurance.com/new-challenges-to-the-affordable-care-act/) - With the tax penalty removed, a new lawsuit filed in June by 20 state attorneys asserts that the guaranteed issue provision and other key provisions of the healthcare bill should also be removed due to their inherent link to the tax penalty. - [Graduating from School and In Need of Insurance?](https://solidhealthinsurance.com/graduating-from-school-and-in-need-of-insurance/) - Are you going to or have you recently graduated? If so, congratulations on your success and best of wishes on your career! With graduation season in full-swing, many grads are preparing for their careers and getting accustomed to the adult life. One important yet often times overlooked parts of "adulting" is your insurance. - [Group Health Insurance for the Restaurant Industry](https://solidhealthinsurance.com/group-health-insurance-for-the-restaurant-industry/) - As a restaurant owner or manager, you know first-hand how tough it is to keep costs down while simultaneously retaining your top talent. One of the most important investments you can make in your restaurant is in you and your employees. - [What Free Preventative Services Are Included in Your Health Insurance Plan](https://solidhealthinsurance.com/what-free-preventative-services-are-included-in-your-health-insurance-plan/) - As many of you may know, your health insurance plan under the Affordable Care Act covers one free annual wellness checkup; but, did you also know that your health insurance plan also covers preventative screenings, immunizations and other services free of charge? - [The Special Enrollment Period for Health Insurance in 2018](https://solidhealthinsurance.com/the-special-enrollment-period-for-health-insurance-2018/) - For Californians who want to enroll in a health insurance plan outside of the Open Enrollment Period, they must show proof of a qualifying life event. - [New Pressure To Negotiate Fair Drug Prices in the USA](https://solidhealthinsurance.com/new-pressure-to-negotiate-fair-drug-prices-in-the-usa/) - With prescription drugs approaching 20% of total medical costs, patients, insurance companies, and government bodies are finally putting pressure on the pharmaceutical industry. Maybe hiring former pharmaceutical executive Alex Azar as Secretary of Health & Human Services will put more pressure for reform - [5 Tips To Control Your Healthcare Costs](https://solidhealthinsurance.com/5-tips-to-control-your-healthcare-costs/) - With healthcare costs steadily increasing, it is important for us all to find ways to cut down on healthcare costs. Here is a list of 5 simple tips to save money on your health insurance and medical costs. - [Why should you buy medical travel insurance while traveling overseas?](https://solidhealthinsurance.com/why-should-you-buy-a-medical-travel-insurance-while-traveling-overseas/) - Many Californians are getting ready to plan their summer vacations. Destinations like Mexico, Europe, Canada and Asia are on many "must visit" list. Buying an inexpensive medical travel insurance will give you peace of mind and ensures that your family is covered should you get unexpectedly sick during your overseas trip. - [Large Hospital Networks and Their Impact on Employee Wages](https://solidhealthinsurance.com/large-hospital-networks-and-their-impact-on-employee-wages/) - As employees look to increase their wages while their employers are focused on minimizing costs, medical costs and with that, health insurance premiums, appear to be the elephant in the room. The California Health Care Foundation reported that between 2011 and 2016, the yearly cost of health insurance for a family rose by $5,208 or by 36% while wages have only risen by $3,037 or 8%. - [How Can I Keep My Small Group Health Insurance Costs In Control While Offering Great Benefit Package to my Employees?](https://solidhealthinsurance.com/how-can-i-keep-my-small-group-health-insurance-costs-in-control-while-offering-great-benefit-package-to-my-employees/) - Finding the right group benefits can be a daunting task, especially for a restless entrepreneur like yourself. By offering group benefits, you are not only investing in your employees’ health and financial security, but you are also investing in the health of your business. Offering the right group benefits helps attract new talent and retain existing employees. - [Tax time is around the corner - do you still need the 1095 form?](https://solidhealthinsurance.com/tax-time-is-around-the-corner-do-you-still-you-1095-form/) - With lifting the health care mandate in 2019, many Californians might be confused about their 1095 forms and if they are necessary for filing their 2017 and 2018 taxes. Until there is a change in the written law the 1095 forms are still required. Californians who applied for health insurance through Covered California or Federal - [Medical Inflation is Slowing](https://solidhealthinsurance.com/medical-inflation-is-slowing/) - Have you noticed 10-20% annual rate increases to your health insurance? Unfortunately, that has been the norm for some time. However, medical inflation has dropped to 1.8% over the last year versus 2.2% overall inflation. - [Dental Insurance](https://solidhealthinsurance.com/dental-insurance/) - For many people, dental insurance is overlooked and not fully utilized. For one, did you know that your health insurance plan includes pediatric dental until 19 years old? - [Tax Form 1095-A & 1095-B are mailed in January 2018](https://solidhealthinsurance.com/tax-form-1095-a-1095-b-are-mailed-in-january-2018/) - 1095-A tax forms are needed for filing your taxes for 2017. They are mailed out in January. File them so you are prepared for your tax advisor. - [Are You Enrolled in the Right Health Insurance Plan for 2018?](https://solidhealthinsurance.com/are-you-enrolled-in-the-right-health-insurance-plan-for-2018/) - We are approaching the deadlines for both the Medicare Annual Enrollment Period on December 7th and for the individual Open Enrollment Period which ends December 15th for a January 1st effective date. Many people have still not made a decision on their health insurance plans. - [2018 Open Enrollment Period - a hardship for many families who do not to qualify for subsidies](https://solidhealthinsurance.com/2018-open-enrollment-period-a-hardship-for-many-families-who-do-not-to-qualify-for-subsidies/) - 2018 Open Enrollment Period - a hardship for many families who do not to qualify for subsidies - [Open Enrollment Period 2018 Starts](https://solidhealthinsurance.com/open-enrollment-period-2018-starts/) - The Open Enrollment Period for health insurance has just begun on November 1st, 2017-January 31st, 2018 in California. During this period, you can apply for a health insurance plan without a qualifying life event. - [Changes to the Individual Healthcare Marketplace in 2018](https://solidhealthinsurance.com/changes-to-the-individual-healthcare-marketplace-in-2018/) - For Southern Californians, healthcare and health insurance seem to always be on the move. One of the biggest changes to the Southern California area is the removal of Anthem from the individual and family marketplace. For 2018, we are seeing some major changes to both the available healthcare facilities and the health insurance marketplace. Existing - [Updates to Open Enrollment Period 2018](https://solidhealthinsurance.com/updates-to-open-enrollment-period-2018/) - After recently visiting Covered California’s annual event on Open Enrollment Period 2018, there is plenty of updates to cover. For this year, Covered California came up with the slogan “Don’t roll the dice on your health.” It is a great theme for insurance which is all about accepted premium, accepted financial risk and provider choice. - [Health Insurance Trends in California for 2018](https://solidhealthinsurance.com/health-insurance-trends-in-california-for-2018/) - Covered California released the health insurance rate for 2018. Consumers can finally be prepared on what to expect for 2018. Health care cost are increasing. - [Covered California announced individual health insurance premium increase of 12.5 percent for 2018](https://solidhealthinsurance.com/covered-california-announced-individual-health-insurance-premium-increase-of-12-5-percent-for-2018/) - Covered California announced a 12.5 % health insurance increase statewide for 2018. Anthem announced that it is leaving most of the regions in California - [Telemedicine is the Future of Medical Consultations](https://solidhealthinsurance.com/telemedicine-is-the-future-of-medical-consultations/) - Telemedicine is one of the fastest growing trends in the modern health care industry, have you tried it yet? U.S. board-certified doctors are available 24 hours a day, 7 days, 365 days (24/7/365) in a year to resolve many of your non-emergency medical issues through phone or video consultation and can even prescribe medications. Instead of - [California's Proposal for Single-Payer Health Care System is far from approval!](https://solidhealthinsurance.com/californias-proposal-for-single-payer-health-care-system-is-far-from-approval/) - California's State Senate passed SB 562 or the Healthy California Plan, a single payer healthcare system with would add $330-400 billion annually in costs - [Not Only Website Flaws Creating Difficulties For Covered California](https://solidhealthinsurance.com/not-only-website-flaws-of-covered-california-makes-it-harder-to-shop-for-affordable-health-insurance-in-los-angeles-and-the-rest-of-california/) - We have all read with much frustration that the website of Covered California and the Federal Exchange website has many flaws. Today in an interview with NPR in Los Angeles, a computer expert mentioned that basic security issues were not addressed. When setting up your account, the 5 security questions you answer are not encrypted. This allows - [Medical Loss Ratio- a new way to find affordable health insurance in Santa Monica](https://solidhealthinsurance.com/medical-los-ratio-a-new-way-to-find-affordable-health-insurance-in-santa-monica/) - Medical Loss Ratio - an estimated $ 1.3 Billion will be given back to customers , this a new way to find affordable health insurance in Santa Monica. Did you ever think the day would come when you would receive money back from your health insurance carrier? By August, insurance companies will be required to - [House Approves Trump Health Care Bill, what to expect next?](https://solidhealthinsurance.com/house-approves-trump-health-care-bill-what-to-expect-next/) - House approved the American Care Act, the question remains how will they pass the highly unpopular health care reform through the Senate. - [The Future of the Affordable Care Act](https://solidhealthinsurance.com/the-future-of-the-affordable-care-act/) - This article describes the future of the ACA versus ACHA plan. It discusses the likelihood of a modification of the ACA versus an actual repeal due the missing votes of the Senate. The need of a bipartisan reform. The high possibility of rising health insurance premium in 2018. The need of control of health care cost - [Tax time is approaching - do I still need my 1095 tax form?](https://solidhealthinsurance.com/tax-time-is-approaching-do-i-still-need-my-1095-tax-form/) - This article describes if it is still necessary to use the 1095 forms for the tax prepartion for 2016 . It explains the different forms of 1095 . - [Understanding the Congressional Budget Office Review on the American Health Care Act](https://solidhealthinsurance.com/understanding-the-congressional-budget-office-review-on-the-american-health-care-act/) - Highlights of the Congressional Budget Office estimates on the effect of the Republican Health Care Act. Drastic increase of uninsured and reduced Medicaid. - [Special Enrollment Period for Health Insurance 2017, how do I obtain coverage?](https://solidhealthinsurance.com/special-enrollment-period-for-health-insurance-2017-how-do-i-obtain-coverage/) - Blog informs how the Special Enrollment period in 2017 works, explains qualifying life events and how to apply for health insurance during this time - [The Affordable Care Act and Uncertainty under President Trump](https://solidhealthinsurance.com/the-affordable-care-act-and-uncertainty-under-president-trump/) - This article ponders a Trump Presidency and its impact on the Affordable Care Act - [Special Enrollment Period for Small Businesses for 2017](https://solidhealthinsurance.com/small-business-open-enrollment-starts-november-15th-to-december-15th/) - This article covers the special enrollment period for small businesses for 2017 - [The 2017 Open Enrollment Period Begins Now!](https://solidhealthinsurance.com/open-enrollment-period-begins-now/) - This article explains the open enrollment period and tips on choosing an affordable health plan - [Substantial Health Insurance Premium increase in 2017 will have Californians rethink their health plan choices](https://solidhealthinsurance.com/substantial-health-insurance-premium-increase-in-2017-will-have-californians-rethink-their-health-plan-choices/) - This report talks about the steep health insurance increase in 2017, and gives suggestion to Californians what they can do to find affordable health insurance. - [Health Concerns May Loom for Seniors in Coming Years](https://solidhealthinsurance.com/health-concerns-may-loom-for-seniors-in-coming-years/) - Key Findings are that diabetes and obesity on the increase and cause the next generation seniors to be less healthy than current seniors. - [Getting Married? Wondering how will it impact your health and life insurance needs?](https://solidhealthinsurance.com/getting-married-wondering-how-will-it-impact-your-health-and-life-insurance-needs/) - Getting married is a qualifying life events that allows you to make changes to your existing health insurance. For a joint life you should also consider a life insurance. - [Will you qualify for a subsidy in your health insurance premium for 2017?](https://solidhealthinsurance.com/will-you-qualify-for-a-subsidy-in-your-health-insurance-premium-for-2017/) - This articles explains how you qualify for subsidies in the health insurance for 2017. The steep increases in health insurance premium in 2017 are a burden on Californians. - [Helpful Tips for Small Businees owners to buy group health insurance in 2017](https://solidhealthinsurance.com/helpful-tips-for-small-businees-owners-to-buy-group-health-insurance-in-2017/) - This blog provides helpful tips how to offer group health insurance to attract new employees and keep their existing in 2017. - [Getting a divorce - how will it impact your health and life insurance?](https://solidhealthinsurance.com/getting-a-divorce-how-will-it-impact-your-health-and-life-insurance/) - Getting a divorce will significantly impact your health, life and long term care insurance needs. Make sure to negotiate these aspect in your divorce. - [You lost your work with health insurance, what are your options to obtain health insurance?](https://solidhealthinsurance.com/you-lost-your-work-with-health-insurance-what-are-your-options-to-obtain-health-insurance/) - This article describes the option of obtaining health insurance when one lost their work with group health insurance. - [Confused about 1095 forms and the implications for filing 2015 taxes](https://solidhealthinsurance.com/confused-about-1095-forms-and-the-implications-for-filing-2015-taxes/) - Californians who applied for health insurance through Covered California or Federal Market Exchange in 2015 should have received, at beginning of February, a 1095- A form. - [Why choose a health insurance broker instead of going straight to the insurance carrier?](https://solidhealthinsurance.com/why-choose-a-health-insurance-broker-instead-of-going-straight-to-the-insurance-carrier/) - Independent health insurance broker will give an overview of the full spectrum of health plans.They do not charge extra and they will fit a plan to your needs. - [How can I obtain Health Insurance during the Special Enrollment Period in 2016?](https://solidhealthinsurance.com/how-can-i-obtain-health-insurance-during-the-special-enrollment-period-in-2016/) - Specific life events will allow to apply for health insurance in the Special Enrollment Period, It is critical to apply in the 60 day period of the life event. - [Watch out for your 1095-A form so that you accurately file your 2015 taxes in 2016](https://solidhealthinsurance.com/watch-out-for-your-1095-a-form-so-that-you-accurately-file-your-2015-taxes-in-2016/) - In the third week of January Covered California will sent the 1095-A form to policyholders who obtained coverage via the exchange - [Proposed Regulations on 2017 Benefit and Payment Parameters](https://solidhealthinsurance.com/proposed-regulations-on-2017-benefit-and-payment-parameters/) - Proposed Regulation for 2017 . The Out-Of-Pocket Maximum is suppose to go up to $ 7150 . - [My Experience with Oscar Health Insurance in Los Angeles so far](https://solidhealthinsurance.com/my-experience-with-oscar-health-insurance-in-los-angeles-california-so-far/) - It describes my experience with Oscar a new health insurance in Los Angeles in 2016. It compares Oscar, next to Anthem and Blue Shield . - [What is the tax penalty for not carrying health insurance in 2016?](https://solidhealthinsurance.com/what-is-the-tax-penalty-for-not-carrying-health-insurance-in-2016/) - The tax penalty for 2016 is 2.5% of your household income or $695 per adult for a family of 4 - $ 2085 - buy affordable health insurance for 2016 - [When Should I Choose to Pay The Penalty?](https://solidhealthinsurance.com/when-should-i-chose-to-pay-the-penalty/) - Does it make sense not to buy health insurance and pay the tax penalty for 2016 - [Special Enrollment Period for Small Businesses seeking health insurance for 2016](https://solidhealthinsurance.com/special-enrollment-period-for-small-businesses-seeking-health-insurance-for-2016/) - Take advantage of the Special Enrollment Period for small business to buy health insurance with less employee participation, and less employer contribution. - [Penalty For Only Having Health Insurance Part of The Year?](https://solidhealthinsurance.com/penalty-for-only-having-health-insurance-part-of-the-year/) - If you are only insured for part of the year, your penalty will be changed to reflect that portion only (vs. you having to pay as if you missed the whole year). For gaps in coverage of less than three months, you won’t have to pay a penalty. After 2016, a new change is being - [Drug Prescription Benefits Under The ACA](https://solidhealthinsurance.com/drug-prescription-benefits-under-the-aca/) - Did you ever have the issue in the past that your prescriptions were not covered under your health insurance plan? Or that they had a separate out-of-pocket maximum as well as a separate deductible? Thankfully, that has changed under the Affordable Care Act (ACA). Now under the ACA, every health plan has to offer a - [How Do I Pick A Health Insurance Plan?](https://solidhealthinsurance.com/how-do-i-pick-a-health-insurance-plan/) - Californians are confused on how to pick a health plan under the Affordable Care Act which fits their individual or family needs. - [Hitting The “Out-of-Pocket Maximum” : Is Everything Else Covered?](https://solidhealthinsurance.com/hitting-the-out-of-pocket-maximum-is-everything-else-covered/) - Understanding the benefits of your health insurance plan is essential, many Californians struggle to understand the coverage of the new Affordable Care Act. - [Once I Choose My Plan, Can I Set It And Forget It?](https://solidhealthinsurance.com/once-i-choose-my-plan-can-i-set-it-and-forget-it/) - In 2016 the Silver and Bronze plans have higher deductible and out-of-pocket maximum, it makes sense to review your current health plan for 2016 - [Shopping The Marketplace If My Employer Offers Healthcare](https://solidhealthinsurance.com/shopping-the-marketplace-if-my-employer-offers-healthcare/) - Research the individual insurance market and compare the benefit with your employer health care. The individual insurance market offers affordable rates. - [Is My Doctor In An Insurance Company’s Network?](https://solidhealthinsurance.com/is-my-doctor-in-an-insurance-companys-network/) - It is very important that your preferred health provider and hospital is in the network of the insurance company otherwise you may experience higher cost. - [Covered California 2016 Guidelines](https://solidhealthinsurance.com/covered-california-2016-guidelines/) - Guideline to understand subsidy for 2016 for Covered California - [Switching Health Insurance Plans -Open Enrollment Period starts November 1st](https://solidhealthinsurance.com/switching-health-insurance-plans-open-enrollment-period-starts-november-1st/) - Open Enrollment for health insurance starts November 1. Review what you did not like on your old health plan and compare it to the rates and benefits of 2016. - [Helpful Tips for Small Business Owners To Switch To ACA Compliant Health Insurances](https://solidhealthinsurance.com/helpful-tips-for-small-business-owners-to-switch-to-aca-compliant-health-insurance-group-plans-by-the-end-of-december/) - Helpful tips for small business owners to transition into ACA compliant health plans. Choose between Shop, California Choice, Anthem, Blue Shield, Kaiser,Aetna - [Covered CA Starts Renewal Process For 2016 Health Insurance](https://solidhealthinsurance.com/covered-california-starts-the-renewal-process-for-health-insurance-for-2016/) - Article reports over the renewal process of health insurance for 2016 from Covered California. It explains the time frame and letters which will be sent. - [Anthem Gets $26.5B Funding Commitment For Cigna Takeover](https://solidhealthinsurance.com/anthem-gets-26-5b-funding-commitment-for-cigna-takeover/) - Health Insurance Industry is merging. Anthem takes over Cigna, Aetna takes over Humana. Does health insurance suffer due to merger? - [IRS reports Results of the First Year Individual Responsibility Requirements of the Affordable Care Act](https://solidhealthinsurance.com/results-of-the-first-year-individual-responsibility-requirements/) - IRS reports the results of the ACAt. More people than expected choose to pay tax penalties instead of carrying health insurance. - [Covered California Announces Affordable 2016 Rates](https://solidhealthinsurance.com/covered-california-announces-affordable-2016-rates/) - Covered California announces affordable health insurance rates in California for 2016 . - [Vision Exam Can Detect Health Problems find affordable vision insurance in California.](https://solidhealthinsurance.com/vision-exam-can-detect-health-problems/) - Vision exams allow to find not only vision problems but also health problems. Affordable Vision Insurance. - [Supreme Court Ruling Confirms Subsidies On Health Care Exchanges Are Available](https://solidhealthinsurance.com/supreme-court-ruling-confirms-subsidies-on-health-care-exchanges-are-available/) - Supreme Court ruling confirms that the subsidies are allowed to buy health insurance in the Federal Market exchange and with that also in Covered California. - [Likely Health Insurance Rate Changes for CA Small Businesses in 2016](https://solidhealthinsurance.com/smallbusinessratechanges/) - Small business have to transition by the end of 2015 into the new affordable health care plans. Rate increases are most likely. - [A Lesson Learned in the 2015 Open Enrollment Period](https://solidhealthinsurance.com/2015lessons/) - The ever increasing cost of prescription drug cost jeopardize the affordability of the American health insurance market - [Growth in CA’s Individual Health Insurance Market](https://solidhealthinsurance.com/growth-in-cas-individual-health-insurance-market/) - The Affordable Care Act has caused a significant growth in individual health insurance enrollment in California. Currently the Special Enrollment Period is in place, finding affordable health insurance and avoid tax penalties is the major reason why Californians seeking to buy health insurance in California - [Assurant To Leave California Health Insurance Market In 2016](https://solidhealthinsurance.com/assurantleavingcamarket/) - Assurant, a company who just recently successfully entered the California market, has just announced that they are leaving the health insurance market in 2016, all together. Why could this be? All health insurance carriers are receiving the costs of implementing the Affordable Care Act this month. One has to assume that the data will be an"eye-opener", and - [Paying Cash for Health Insurancein California at 7-Eleven ?](https://solidhealthinsurance.com/paying-cash-for-health-insurancein-california-at-7-eleven/) - According to an article published by NPR, Californians are now able to pay cash for their monthly health insurance premiums at over 680 locations across California. The L.A. Care health insurance, one of the carriers offered at Covered California, is available at beloved and easy to access retailers such as 7-Eleven and Family Dollar stores. - [Lesson To Learn From The German Wings Tragedy](https://solidhealthinsurance.com/lesson-to-learn-out-of-the-german-wings-tragedy/) - a NPR interview with Kenneth Feinberg points out that nobody is immune against life's misfortune and to make sure that your will is up-to-date and that your life insurance covers the needs for your family - [Special Enrollment Period for Anthem and Covered California Open Through April 30th](https://solidhealthinsurance.com/extendedenrollment/) - Anthem and Covered California offer a Special Enrollment Period to apply for health insurance for 2015 until 4/30.Californians who did not know about the tax penalty have another change to apply for health insurance . Anthem is the only carrier who offers it also outside the health insurance exchange Covered CA. - [Only A Day To Go In Enrollment Period offered By Covered California](https://solidhealthinsurance.com/specialenrollmentperiod/) - New special enrollment for health insurance for consumers who were unaware of tax penalties - [Tax Forms Introduced With The Affordable Care Act](https://solidhealthinsurance.com/1095-a-9862-two-new-tax-froms-introduced-with-the-affordable-care-act-in-california/) - Californians who applied for health insurance through Covered California in 2014 will receive within the next weeks a 1095- A form. This is a health Insurance Medical Statement. In Section 1 it lists the health insurance policy name, the health insurance you were signed up with at the start & end date of coverage. Section 2 list the individuals - [No-Insurance Tax Penalty Increase](https://solidhealthinsurance.com/tax-penalty-for-not-having-health-insurance-in-2015-increases-in-california/) - The annual tax penalty for not carrying health insurance in California will increase in 2015 to $ 325 per adult and $ 162.50 per child, or, 2 % of your annual income (whatever is higher). The maximum penalty will be $975 per family or roughly 2 % of total income depending on the family income. - [Special Enrollment Period for Small Business seeking health insurance for 2015](https://solidhealthinsurance.com/special-enrollment-period-for-small-business-seeking-health-insurance-for-2015/) - The Special Enrollment Period for small business seeking group health insurance ends December 15th in California . From November 15 to December 15 2014 Small business who are seeking health insurance do not have to qualify for the normal Eligibility Guidelines, meaning a company does not have to have to a 70% participation and also does - [Act now if you want to switch your health insurance for January 1st 2015](https://solidhealthinsurance.com/act-now-if-you-want-to-switch-your-health-insurance-for-january-1st-2015/) - Deadline affordable Health Insurance 2015 Los Angeles - [Open Enrollment Period started 11/15 - rate hikes outside Covered California are steep](https://solidhealthinsurance.com/open-enrollment-period-started-1115-rate-hikes-outside-covered-california-are-steep/) - The Open Enrollment Period for the individual health insurance market in California started this weekend, and the premium hikes outside the Covered California exchange are very steep and a hard burden on the middle class in California. Anthem, Health Net raised their rates an average of 10 percent, Assurant who miscalculated in 2014 their health plan premiums - [What is the difference between renewal and open enrollment period in the health insurance market for 2015 ?](https://solidhealthinsurance.com/what-is-the-difference-between-renewal-and-open-enrollment-period-in-the-health-insurance-market-for-2015/) - Many Californians have received in the last week renewal notices from Covered California and their current health insurance carrier and are confused what the difference between the renewal period and open enrollment period is ? The renewal period is for enrolled health insurance policy holders to make changes to their current health coverage from now through - [What Is The Meaning Of A Covered California Renewal Letter?](https://solidhealthinsurance.com/what-does-a-renewal-letter-from-covered-california-mean/) - Covered California Health insurance renewal letter affordable Los Angeles - [TIPS FOR CALIFORNIANS ON HOW TO RENEW YOUR COVERED CALIFORNIA HEALTH CARE PLAN FOR 2015](https://solidhealthinsurance.com/tips-for-californians-on-how-to-renew-your-covered-california-health-care-plan-for-2015/) - Tips for Californians on how to renew their health care plan - [Californians over 65 years remember that the Open Enrollment Period for 2015 started](https://solidhealthinsurance.com/californians-over-65-years-remember-that-the-open-enrollment-period-for-2015-started/) - The Annual Open Enrollment started October 15th and ends December 7th. In this period Medicare eligible Americans should review their Medicare Advantage and Prescription Plans to see if the plans of 2015 still fits their needs. Please reevaluate if you are taken any new prescription drugs and/or possible your existing Medicare Advantage Plan is leaving your service - [Covered California Rate-Increase Approved](https://solidhealthinsurance.com/insurancecommissioner-approves-covered-california-health-insurance-rates/) - California Insurance Regulators accepted the health insurance rate increases in the state exchange Covered California for 2015 . The state’s two insurance regulators deemed proposed premiums for 2015 individual coverage acceptable among the 10 health plans under the Covered California exchange. These rates also apply to individual coverage outside the state’s marketplace. With this notification Anthem has - [The Annual Open Enrollment Period starts October 15 th for Californians over 65 years old](https://solidhealthinsurance.com/the-annual-open-enrollment-period-starts-october-15-th-for-californians-over-65-years-old/) - The Annual Open Enrollment starts October 15th and ends December 7th. In this period Medicare eligible Americans should review their Medicare Advantage and Prescription Plans to see if the plans of 2015 still fits their needs. Please reevaluate if you are taken any new prescription drugs of if possible your existing Medicare Advantage Plan is - [Getting Ready for the Annual Open Enrollment Period for Californians over 65 years.](https://solidhealthinsurance.com/getting-ready-for-the-annual-open-enrollment-period-for-californians-over-65-years/) - ANNUAL ENROLLMENT PERIOD MEDICARE REVIEW SHEET( OCT15- DEC 7 TH) Please circle your choices Drug Name or None Circle one Dosage per day Generic / Name Brand Generic / Name Brand Generic / Name Brand Generic / Name Brand Generic / Name Brand Generic / Name Brand Generic / Name Brand Current Medicare Plan - [Covered California 2015 Guidelines](https://solidhealthinsurance.com/covered-california-subsidy-guidelines-for-2015/) - With the implementation of the Affordable Care Act many Californians will receive subsidies based on their modified adjusted gross income (line item 38 on your 1040 tax form or line 22 of your 1040A form) and the Federal Poverty Level. For the year 2015, Covered California will base the subsidy on the Federal Poverty Level 2014 guidelines. The 2014 - [Covered CA announces rates for 2015 - good news for Los Angeles area](https://solidhealthinsurance.com/covered-ca-announces-rates-for-2015-good-news-for-los-angeles-area/) - Covered California announces rates for 2015; the Los Angeles region will have a 4.3 % price increase which is 0.1% higher than the 4.2% state average these are welcome news for all Angelnos. Ten insurance carrier participating in Covered California 2014 remain in 2015. Aetna, UHC, Assurant and Cigna are still not partnering with Covered California. Kaiser - [No Immediate CA Impact For Health Care Subsidy Ruling](https://solidhealthinsurance.com/health-care-subsidy-ruling-has-no-immediate-impact-for-california/) - Two federal appeals courts have recently issued contradictory rulings on whether individuals enrolling in health plans offered through federal government Marketplaces are eligible for subsidies to help pay for their coverage. These ruling has no impact for California as Covered California is a state run exchange. The D.C. Circuit Court of Appeals ruled that subsidies - [Information On The Late Payment Grace Period](https://solidhealthinsurance.com/grace-period-for-late-payment-on-health-insurance-differ-for-off-exchange-health-plans-versus-subsidies-health-plan/) - Grace periods differ for health insurance policy holders with government subsidies. Did you know that heath insurance members have different grace periods for overdue payments on their health insurance depending on whether or not they get a government subsidy to help pay the cost of their monthly premiums? Health Insurance Policyholders who do not get a government premium subsidy - [Should 65-Year-Old Veterans Apply For Medicare?](https://solidhealthinsurance.com/should-veterans-apply-with-65-for-medicare/) - 65 year-old veterans who are receiving Veterans Administration (VA) benefits do not have to apply for Medicare. However, there are several reasons why applying for Medicare could be advantageous for them. Using both VA benefits and Medicare allows Veterans to see more doctors. This is especially important if their health condition needs varied options, seeing it will allow them to - [Health insurance cancellation due to missed premium payments needs to be revised](https://solidhealthinsurance.com/health-insurance-cancellation-due-to-missed-premium-payments-needs-to-be-revised/) - With the introduction of the Affordable Care Act , and the intention that every American should be enrolled in health insurance, the cancellation policy due to missed payment of the insurance carriers need to be revised. In the last 2 months especially Anthem in California has cancelled policy holders health insurance coverage for missed premium - [IRS Penalties For Employers Sending Employees To The Individual Marketplace](https://solidhealthinsurance.com/irs-penalize-employers-who-contribute-tax-free-moneys-towards-paying-individual-health-insurance/) - California employers falsely believed that they could shift health costs to the government by sending their employees to a health insurance exchange (with a tax-free contribution of cash to help pay premiums). However, the Obama administration has objected to this procedure. "Such arrangements do not satisfy the health care law", the administration stated. Employers may will be subjected to - [Covered California launched a limited Open Enrollment Period for COBRA policyholders](https://solidhealthinsurance.com/covered-california-launched-a-limited-open-enrollment-period-for-cobra-policyholders/) - Covered California launched a two-month limited open enrollment period for COBRA health insurance policyholders who want to transition to a health plan offered through the state health insurance exchange. Background COBRA -- or the Consolidated Omnibus Budget Reconciliation Act of 1985 -- allows individuals who lose their job or leave their position to continue coverage - [Health Saving Account Inflation Adjustment for 2015 slightly increased](https://solidhealthinsurance.com/health-saving-account-inflation-adjustment-for-2015-slightly-increased/) - The IRS has released the 2015 inflation-adjusted amounts for health savings accounts (HSAs) in Rev. Proc. 2014-30. For 2015, HSA contribution limits and high deductible health plan (HDHP) out-of-pocket maximums are up slightly over 2014, while HDHP minimum required deductibles remain the same as 2013. * Annual Contribution Limits: $3,350 for self-only coverage and $6,650 - [Frustrations Within California's Health Insurance Companies](https://solidhealthinsurance.com/covered-california-members-doctors-and-agents-are-frustrated-with-health-insurance-industry-in-california/) - Many Covered California members, doctors and even agents are frustrated with the treatment of Health Insurance Companies in California. Doctors who were originally enrolled in Covered California's health insurance networks are deciding to drop out. For them, the billing processing is too difficult and time consuming, and the fee-structures are too low. Furthermore, Anthem listed nearly 1000 - [Affordable Health Insurance Changes With The Affordable Care Act](https://solidhealthinsurance.com/affordable-small-group-health-insurance-with-the-changes-of-the-affordable-care-act/) - With the implementation of the Affordable Care Act, many small business will transition into 2014 with the new metallic plans. Before making that change those business will not only need to be informed, but they will also have to educate their employees about the upcoming changes. In contrast with the individual health insurance market, the small group health insurance - [Special Enrollment Period - what are the qualifying events to sign up for health insurance in California](https://solidhealthinsurance.com/special-enrollment-period-what-are-the-qualifying-events-to-sign-up-for-health-insurance-in-california/) - The 2014 Open Enrollment period for obtaining health insurance is over in California . After that period, the Special Enrollment Period begins. The Special Enrollment Period runs from April 1st through November 15 2014 and it allows Californians, who experience a qualifying event to enroll in a new health insurance plan or make changes to an existing one. A consumer - [Californians welcome the Afforable Health Care Act](https://solidhealthinsurance.com/californians-welcome-the-afforable-health-care-act/) - The first open enrollment period for obtaining health insurance is over and has been very successful in California. March being the unprecedented month, more than 340,000 Californians rushed to sign up before the Open Enrollment Period ended. Covered California had planned fewer than 700,000 sign ups but as of now over 1.2 Million Californians have - [Obama grants a two year extension for individual to remain on their old health plans - what does that mean for California?](https://solidhealthinsurance.com/obama-grants-a-two-year-extension-for-individual-to-remain-on-their-old-health-plans-what-does-that-mean-for-california/) - Yesterday President Obama announced a two year extension for individuals to remain on their old health plans, which are not ACA compliant. Even California's insurance commissioner Dave Jones supports Obama wish and urged Covered California to reconsider their point of view.In In November Covered California denounced President Obama's wish and did not allow the extension of - [Open Enrollment Period for Health Insurance ends March 31st , how successful is Covered CA so far?](https://solidhealthinsurance.com/open-enrollment-period-for-health-insurance-ends-march-31st-how-successful-is-covered-ca-so-far/) - The Open Enrollment Period for obtaining Health Insurance under the Affordable Care Act ends March 31, 2014. More than 1.7 million Californians have signed up since October 1st, according to the state exchange ,Covered California . At least approx. 630,000 applicants are eligible for federal tax subsidies. Another 877,000 Californians were determined to be eligible - [Covered California's website down since four days - Californians should demand an extension of the enrollment period](https://solidhealthinsurance.com/covered-californias-website-down-since-four-days-californians-should-demand-an-extension-of-the-enrollment-period/) - While we get blasted with radio advertising that Covered California is open for business and ready to enroll, unfortunately the website has not been working since Wednesday February 18th. (Today is day four of a nonworking website) It would be only fair that Californians get an extension on the enrollment period beyond March 31st. The - [Anthem raises health insurance premium In April up to 25% on their grandfathered Plans - It makes sense to switch!](https://solidhealthinsurance.com/anthem-raises-health-insurance-premium-in-april-up-to-25-on-their-grandfathered-plans-it-makes-sense-to-switch/) - Obviously Anthem of California does want to get rid off their grandfathered plans in California. The announcement of a premium increase of up to 25 percent on their grandfathered plans, due to increasing health care cost is pretty unreasonable, otherwise Anthem's new ACA ( affordable care act) plans should have been also increased. In my - [Californians Patience Level is tested with the Obamacare](https://solidhealthinsurance.com/californians-patience-level-is-tested-with-the-obamacare/) - Most Californians patience level has been tested in the last 2 months since introduction of the ACA Plans, and unfortunately I still must ask you to tolerate more patience as there are too many unknowns. It is up to insurance commissioner Dave Jones now to determine if Californians can remain for another year on their - [Are You An Anthem Blue Cross or Blue Shield Policy Holder? Good News For You!](https://solidhealthinsurance.com/good-news-for-anthem-blue-cross-and-blue-shield-policy-holders-able-to-keep-their-existing-policies-longer-in-california/) - Good News for existing Anthem Blue Cross and Blue Shield policy holders California! Insurance Dave Jones was able to extend the premature cancellation of 104,000 individual market health insurance policies by Anthem Blue Cross. Anthem had been canceling "non-grandfathered individual-market policies", the kind of policies with which people get more benefits and possibly lower rates from Covered - [Rocky start to find affordable health insurance in Los Angeles, California in 2014](https://solidhealthinsurance.com/rocky-start-to-find-affordable-health-insurance-in-los-angeles-california-in-2014/) - It has been more than a rocky start to find affordable health insurance for 2014 in Los Angeles and throughout California. Not only computer glitches, long telephone waiting line but more important missing information such as provider networks and final approved insurance rates causing millions of Californians to delay their final decision which insurance plans to - [More Affordable Health Insurance Options But Less Doctors? Read Up Covered California Members.](https://solidhealthinsurance.com/covered-california-offers-affordable-health-insurance-but-less-choice-of-doctors/) - Los Angeles Health Insurance Shoppers Learn That Lower Health Insurance Premiums Means Fewer Choices. While Federal officials have claimed that health insurance will cost less than expected under the Affordable Care Act, they seldom mention one of the most significant reasons for this. In an effort to cut costs, many insurers are dramatically limiting the - [Small Business Renew Early to avoid Rise in Premium in their group health insurance plans in Los Angeles](https://solidhealthinsurance.com/small-business-renew-early-to-avoid-rise-in-premium-in-their-group-health-insurance-plans-in-los-angeles/) - Small Businesses in Los Angeles renew early their current group health insurance plan to avoid rise in premium rates in 2014, while implementing the ACA ( Affordable Care Act ) health plans. With some of the recent changes brought on by the new health care reform, many small business are finding ways to circumvent some of the frustrations - [Will my doctor and hospital be in the network of the California health exchange , Covered California?](https://solidhealthinsurance.com/will-my-doctor-and-hospital-be-in-the-network-of-the-california-health-exchange-covered-california/) - Will my doctor and hospital be in the network of the California Health exchange , Covered California? Unfortunately, many of the new ACA health plans will have a smaller network than you currently have. Therefore, it is critical to research if your doctor is in the network of the exchange health plans. For example, in - [Will I qualify for a financial subsidy in the California state heath exchange?](https://solidhealthinsurance.com/will-i-qualify-for-a-financial-subsidy-in-the-california-state-heath-exchange/) - Many Californians are confused if they qualify for a financial subsidy in the California health exchange, Covered California. Starting in 2014, cost-sharing subsidies and tax credits will lower the cost of health insurance premiums and out-of-pocket expenses for health coverage. Many Americans will qualify for a federal subsidy to pay for their health insurance premiums, which - [Tip to find affordable health insurance with the state health insurance exchange in California](https://solidhealthinsurance.com/tip-to-find-affordable-health-insurance-with-the-state-health-insurance-exchange-in-california/) - Shop the insurance market - on and off the State Health Insurance Exchange, Covered California. With the introduction of the California State Health Insurance Exchange, Covered California, all policyholders in California should compare their current health insurance plan with the new qualified health plans. These health plans are guaranteed to provide essential levels of coverage - [Group Health Insurance Premiums rose only moderately last year in California](https://solidhealthinsurance.com/group-health-insurance-premiums-rose-only-moderately-last-year-in-california/) - The new 2013 Employer Health Benefits Survey released last week shows that premiums for employer-sponsored family health coverage rose only moderately from last year but at a rate still well in excess of wage increases and the general inflation rate. The Kaiser Family Foundation/Health Research & Educational Trust survey found that premiums for family coverage rose - [Health Care Exchange Questions raises Californians Anxiety level](https://solidhealthinsurance.com/health-care-exchange-questions-raises-californians-anxiety-level/) - Everyday you are probably receiving more and more information, through print, radio and television, about the upcoming health care reforms in California. Not understanding the changes can easily causes anxiety. While there is not yet much detailed information available about the changes, it is still important to have some understanding in order to make an - [Covered California, California's State Insurance Exchange announces Dental Insurance Plans for Children](https://solidhealthinsurance.com/covered-california-californias-state-insurance-exchanges-announces-dental-insurance-plans-for-children/) - Covered California, the State Health Insurance Exchange in California announced recently the Dental Health Insurance Plans for children. California's children will get expanded opportunities for better dental health, thanks to Covered California’s offerings of children’s dental insurance plans. The plans are for children up to 19-years-old. Purchase of the children’s dental insurance plan is not required. - [Covered California announces the insurance carriers for the small business exchange SHOP in California](https://solidhealthinsurance.com/covered-california-announces-the-insurance-carriers-for-the-small-business-exchange-shop-in-california/) - The California Health Benefit Exchange, Covered California, announced on August 1, 2013, the planned participants for the new Small Group Health Options Program (SHOP) marketplace. Six health insurance plans will be made available to the 500,000 small businesses across the state expected to purchase group health insurance through Covered California. Some of these groups may - [Anthem Blue Cross will not be part of SHOP the state exchange for small business in California](https://solidhealthinsurance.com/anthem-blue-cross-will-not-be-part-of-shop-the-state-exchange-for-small-business-in-california/) - Anthem Blue Cross will not be participating in the California SHOP Exchange, Covered California. In June, Covered California eliminated the requirement that Qualified Health Plans wanting to participate in the individual exchange must also apply to participate in the SHOP exchange. Because Anthem is no longer required to participate in SHOP, as a condition of - [Income Verification not necessary for enrollment in California's state health exchange for 2014](https://solidhealthinsurance.com/income-verification-not-necessary-for-enrollment-in-californias-state-health-exchange-for-2014/) - The U.S. government announced it will move to an "honor system" in 2014 for coverage and income verification. States operating marketplaces, such as Covered California in California will not be required to confirm a consumer's statement that he or she does not have employer-sponsored coverage, nor will states have to verify reported income, which determines - [Obamacare's mandate for large employers will be delayed for 1 year](https://solidhealthinsurance.com/obamacares-mandate-for-large-employers-will-be-delayed-for-1-year/) - The Obama administration announced that the employer mandate aspect of the Patient Protection and Affordable Care Act (PPACA) will be delayed by one year to 2015. This mandate requires businesses with 50 or more workers to provide health insurance coverage to employees, or pay a penalty. As a result, the administration will start enforcing the - [United Health Care discontinues to offer Individiual Health Insurance in California](https://solidhealthinsurance.com/united-health-care-discontinues-to-offer-individiual-health-insurance-in-california/) - United Health Care, one of the leading health insurance provider in the country, just announced to leave the Individual Health Insurance market in California. This move follows Aetna's recent announcement to stop selling individual policies and discontinue services for all individual policyholders in California by the end of the year. With only 8,000 individual policy - [Aetna discontinues Individual Health Insurance in California](https://solidhealthinsurance.com/aetna-discontinues-individual-health-insurance-in-california/) - Aetna's answer to Obama's health insurance reform is to discontinue individual health insurance services starting December 31 2013 in California. Effective July 1, 2013, Aetna will no longer offer Aetna Advantage Plans for Individuals, Families and the Self-Employed in California. California applications (online or paper) received by their underwriting department requesting an August 1, 2013 or - [Obama asked for Latinos and Young people to enroll in the state exchange of California](https://solidhealthinsurance.com/obama-asked-for-latinos-and-young-people-to-enroll-in-the-state-exchange-of-california/) - Last week President Barack Obama encouraged the uninsured Californians or those paying high prices for health insurance to sign up for coverage in the California State Exchange Covered California, beginning October 1st. Obama used this trip to California to highlight how the state is implementing the Affordable Care Act and rebut continuing criticism over his signature legislative - [Health Insurance Carrier are announcing their yearly Medical Loss Ratio Reports in California](https://solidhealthinsurance.com/health-insurance-carrier-are-announcing-their-yearly-medical-loss-ratio-reports-in-california/) - The Affordable Care Act (health care reform law) requires health plans to meet a minimum medical loss ratio (MLR) , which varies according to market. Health insurance issuers must meet a minimum medical loss ratio of 85% in the fully insured large group market and 80% in the fully insured small group and individual markets. - [What are Navigators and will they replace health insurance agent in California?](https://solidhealthinsurance.com/what-are-navigators-and-will-they-replace-health-insurance-agent-in-california/) - With the implementation of the state exchange there will be also so called "Navigators" trying to assist consumers to understand the new exchange. In contrast to a licensed insurance agent, who has passed exams and had a complete background check including fingerprinting, Navigators are not asked for such a scrutiny. The law created government-paid helpers - [California Workers in High-Deductible Health Plans utilize less Preventive Health Care](https://solidhealthinsurance.com/california-workers-in-high-deductible-health-plans-utilize-less-preventive-health-care/) - Accordingly to a study published this week in Health Affairs Modern Physician U.S. workers made fewer visits to their physicians and pharmacies after their employers moved them into a high-deductible health plan with a health savings account. The findings indicate that beneficiaries of HDHPs might forgo preventive treatment because they are confused about the plan's coverage. - [Covered California announces that Anthem, Blue Shield and Kaiser will participate in California in the State Exchang](https://solidhealthinsurance.com/covered-california-announces-that-anthem-blue-shield-and-kaiser-will-participate-in-california-in-the-state-exchang/) - Covered California announced today the insurance carrier who will participate in California's State Health Exchange. Anthem Blue Cross, Blue Shield of California and Kaiser Permanente -- which account for nearly 87% of the individual market in the state -- have chosen to participate in the exchange. Meanwhile three prominent health insurers -- Aetna, Cigna and - [Covered California, California's State Exchange will be also a voter hub registration place](https://solidhealthinsurance.com/covered-california-californias-state-exchange-will-be-also-a-voter-hub-registration-place/) - Millions of Californians who contact the state's new health exchange, Covered California. to buy insurance will be given the opportunity to register to vote, too. Secretary of State Debra Bowen made California the first state to designate its health exchange as a voter registration agency, but others states are expected to follow suit, . Remember that October 1st - [Covered California, the state's health exchange gives out $ 37 million for consumer education](https://solidhealthinsurance.com/covered-california-the-states-health-exchange-gives-out-37-million-for-consumer-education/) - Covered California, the state's health insurance exchange in California will spend $37 million in grants to begin the massive task of educating millions of Californians about the new healthcare law. Of the $37 million , $ 34 million are dedicated for the education of consumers and $ 3 million for small business. The grants will - [Confusing Penalties for companies over 50 employees, will frustrate business owner in Brentwood and the rest of California](https://solidhealthinsurance.com/confusing-penalties-for-companies-over-50-employees-will-frustrate-business-owner-in-brentwood-and-the-rest-of-california/) - In 2014 the Obamacare will be in effect and many small business owner and midsize owner are very confused by all the different penalties by not offering health insurance to their employees in Brentwood and the rest of California. Small Companies are companies, which have less than 50 employees ,each employee is working more than 30 hours - [Medicare Cost Sharing in 2013](https://solidhealthinsurance.com/medicare-cost-sharing-in-2013/) - Each year the medicare cost sharing rise slightly in the California and the rest of the United States. Here are the cost sharings for your medicare benefits in the year 2013. Monthly Part B Premium - $ 104.90 ( some beneficiaries may be subject to higher Part B premiums because of their income ) Part - [Will not my employer be required to provide health insurance with the Obamacare in Santa Monica ?](https://solidhealthinsurance.com/will-not-my-employer-be-required-to-provide-health-insurance-with-the-obamacare-in-santa-monica/) - Many Americans are under the believe that with introduction of the Obamacare in 2014 all employers have to to offer health insurance in Santa Monica and the rest of the country. This is not the case . The Obamacare ( the Affordable Care Act ) requires only certain employers to purchase health insurance or else - [When can I buy health insurance through the State Health Insurance Exchange in California](https://solidhealthinsurance.com/when-can-i-buy-health-insurance-through-the-state-health-insurance-exchange-in-california/) - Many clients of mine asking me when can I buy health insurance through the California State Exchange and can my agent assist me to navigate through the system. The health insurance exchange , Covered California, will open October 1st, 2013 and continue enrollment until March 31st, 2014. You must purchase health insurance during this open-enrollment - [Will I be able to buy health insurance on the state health exchange, covered CA, in California if I have a pre-existing health condition?](https://solidhealthinsurance.com/will-i-be-able-to-buy-health-insurance-on-the-state-health-exchange-covered-ca-in-california-if-i-have-a-pre-existing-health-condition/) - Good News for everyone in California, who got denied health care coverage due to pre-existing health conditions, can in 2014 obtain health insurance through the state health exchange or any private exchange. Starting in 2014, insurance companies will be required to sell policies to everyone regardless of current or past health issues, and they will - [How much will it cost to buy health insurance on the state health exchange, Covered California, In California](https://solidhealthinsurance.com/how-much-will-it-cost-to-buy-health-insurance-on-the-state-health-exchange-covered-california-in-california/) - Although we do not have the final rates yet for the health insurance premium for the state health exchange in California, Covered CA, we know the main factor which will determine the premium of the state exchange. 1) Age, Regional Area and smoking status 2) How much coverage you choose to purchase (you can - [What happened in 2014 when I do not have health insurance in California?](https://solidhealthinsurance.com/what-happened-in-2014-when-i-do-not-have-health-insurance-in-california/) - In the most recent years I came across of many Angelenos who just could not afford the health insurance premium and opted out not to carry health insurance. In Los Angeles alone the percentage of uninsured is 25 %. Starting in January 2014, most individuals will be required to have health insurance or pay a - [Are small business owners on California concerned about the healthcare reform?](https://solidhealthinsurance.com/are-small-business-owners-on-california-concerned-about-the-healthcare-reform/) - In 2014 small business owners in California have to implement the Affordable Care Act (ACA) as part of the health care reform. ACA requires business with 50 or more full-time workers to provide a minimum level of affordable health care coverage or pay a penalty, which starts at $ 2000 for each full-time employee after the - [Small Business Owners need to learn about SHOP - the state health insurance exchange in 2014](https://solidhealthinsurance.com/small-business-owners-need-to-learn-about-shop-the-state-health-insurance-exchange-in-2014/) - The Health care reform law mandates that California implements a Group Health Insurance Exchange, called SHOP, the Small Business Health Option Program, in which Small Business can buy their health insurance. Initially in 2014, SHOP exchanges will limit eligibility to only businesses with up to 50 employees and will expand in 2015 up to 100 - [How does the Individual Health Insurance Market will look like in Santa Monica in 2014?](https://solidhealthinsurance.com/how-does-the-individual-health-insurance-market-will-look-like-in-santa-monica-in-2014/) - With all the media one wonders how the Individual Health Insurance Market look like in Santa Monica in 2014. Starting in 2014, the health insurance market in Santa Monica and the rest of California should be simpler and more affordable for Individuals and Families to purchase health insurance that can't be denied or canceled due - [Blue Shield and Aetna refuse to lower rate increase - is this a result of Obamacare?](https://solidhealthinsurance.com/blue-shield-and-aetna-refuse-to-lower-rate-increase-is-this-a-result-of-obamacare/) - Despite objections from the California Insurance Department, health insurance carrier Blue Shield of California and Aetna Inc. are proceeding with double-digit rate increases that state officials said were unreasonable. The rising cost of hospital and physician services, prescription drugs and diagnostic tests are the reasons why both insurer argue that premium increases are necessary. One - [Good news for affordable health insurance in Santa Monica, Anthem reduces rate](https://solidhealthinsurance.com/good-news-for-affordable-health-insurance-in-santa-monica-anthem-reduces-rate/) - Good news Anthemjust informed that they are going ahead with the rate reduction for their policy holders, maybe, affordable health insurance in Santa Monica is still possible. After a steep premium increase for Individual health insurance policy holder of approx. 18 % in February ,Anthem agreed with California Department of Managed Healthcare and the California Department of Insurance - [Pre-Exisiting Condition Insurance Plan (PCIP) Program discontinued in California](https://solidhealthinsurance.com/pre-exisiting-condition-insurance-plan-pcip-program-discontinued-in-california/) - Following Federal direction received on February 15, 2013, California PCIP has suspended new enrollments for applications received after March 2, 2013. This comes to a surprise, and one wonders will this also happen to the State Exchanges, when they realize what the cost will be to offer everyone insurance without medical underwriting and give subsidies - [10 healthy tips to get fit this Spring in Santa Monica](https://solidhealthinsurance.com/10-healthy-tips-to-get-fit-this-spring-in-santa-monica/) - As I am always looking out for you to find affordable healthinsurance in Santa Monica, Brentwood and the rest of Los Angeles, it is important to stay healthy and fit this Spring. Here are 10 easy steps to increase your energy and give you a greater level of health and fitness. 1. Drink a glass - [Sequestration Order will have an influence on Medicare in Santa Monica and the rest of the country](https://solidhealthinsurance.com/sequester-order-will-have-an-influence-on-medicare-in-santa-monica-and-the-rest-of-the-country/) - Today if Congress does not act President Obama will have to issue at midnight a sequestration order specifying a 85 billion spending cut, not only will defense spending be cut but also a 2 % reduction in Medicare reimbursement rates is planned. The Medicare reimbursement rate cuts will have especially a big influence on hospitals - [Anthem rate increase revised by act of insurance commissioner - there is hope for affordable health insurance in Santa Monica and the rest of California](https://solidhealthinsurance.com/anthem-rate-increase-revised-by-act-of-insurance-commissioner-there-is-hope-for-affordable-health-insurance-in-santa-monica-and-the-rest-of-california/) - Anthem will reduce their most recent health insurance premium increase due to active negotiations with the insurance commissioner- there is still hope for affordable health insurance in Santa Monica and the rest of California. Many of you may have seen news coverage about our agreement with the California Department of Insurance (CDI) to reduce our - [California will receive $ 674 Million Federal Grant for the implementation of the health insurance exchange](https://solidhealthinsurance.com/california-will-receive-674-million-federal-grant-for-the-implementation-of-the-health-insurance-exchange/) - Preparation in California for the health insurance exchange for 2014 are in full swing. Earlier this month the federal government approved the the blueprint for the health insurance exchange in California and now with granting $ 674 Million of Federal Grant for the health insurance exchange in California the needed resources are available to make the - [What will be the penalty for not having health insurance in 2014 in Santa Monica and the rest of California ?](https://solidhealthinsurance.com/what-will-be-the-penalty-for-not-having-health-insurance-in-2014-in-santa-monica-and-the-rest-of-california/) - Starting in 2014 there will be a penalty for not having health insurance in Santa Monica , California and the rest of the USA. The penalty for 2014 will be with $ 95 annual per person low. But the penalty will increase in 2015 to $ 325 and in 2016 to $ 695 and will - [What will the health insurance exchange in Santa Monica and the rest of California look like ?](https://solidhealthinsurance.com/what-will-the-health-insurance-exchange-in-santa-monica-and-the-rest-of-california-look-like/) - What will the health insurance exchange in Santa Monica and the rest of California look like? The principle is based on a Tier program of insurance plans. There will be four tiers of insurance: Platinum, Gold, Silver, and Bronze Plans. Insurers who offer the Platinum Plan can charge higher premiums but will pay 90 percent - [How to qualify for federal subsidy in the health insurance exchange in Brentwood and rest of California?](https://solidhealthinsurance.com/how-to-qualify-for-federal-subsidy-in-the-health-insurance-exchange-in-brentwood-and-rest-of-california/) - Many Americans may qualify for some type of subsidy in form from tax credit or directly federal payment to pay for health insurance premium in Brentwood and the rest of California in 2014 , if they join the health care exhange. Not only low- income families but also moderate-income families earning up to 400 percent of - [How will the health care exchange in Santa Monica California look like and what is expected for 2013](https://solidhealthinsurance.com/how-will-the-health-care-exchange-in-santa-monica-california-look-like-and-what-is-expected-for-2013/) - In 2013, the implementation of the health care exchanges in Santa Monica and the rest of California will begin. Here is a quick timeline showing what to expect in 2013. Health Insurance Agents will have to get a certification in May or June to be able to sell on the California health care exchange. As early as Fall - [Health Savings Accounts HSA 2013 Limits - a way to find affordable health insurance in Santa Monica](https://solidhealthinsurance.com/health-savings-accounts-hsa-2013-limits-a-way-to-find-affordable-health-insurance-in-santa-monica/) - Health Savings Accounts HSA are a good alternative to find affordable health insurance in Santa Monica, Brentwood and the rest of California. HSA's work with high-deductible health plans that can reduce your monthly insurance costs. The money you save can be deposited into an HSA and used for qualified medical expenses, these savings grow tax - [California Anthem Blue Cross Customer may see massive rate increase for 2013 - how to get affordable health insurance in Brentwood, Santa Monica and the rest of California](https://solidhealthinsurance.com/california-anthem-blue-cross-customer-may-see-massive-rate-increase-for-2013-how-to-get-affordable-health-insurance-in-brentwood-santa-monica-and-the-rest-of-california/) - Anthem Blue Cross Customer got their Thanksgiving ruined, as they are are receiving their health insurance rate increase letter for 2013, announcing a 25 % rate increase, and feeling powerless how to find affordable health insurance in Brentwood, Santa Monica and the rest of California. If feels like deja vu, in 2010 , 2011 and - [Newest LA County Public Health Campaign will help to keep affordable health insurance in Santa Monica](https://solidhealthinsurance.com/newest-la-county-public-health-campaign-will-help-to-keep-affordable-health-insurance-in-santa-monica/) - The newest LA County Public Health Campaign with the motto of " Choose less, weigh less" will help to keep affordable health insurance in Santa Monica. Concerned about the danger of consistently climbing obesity in Los Angelos, the LA county public health department reminds Angelenos to control their portion size when eating a meal. Nearly - [First Presidential Debate evokes heated discussion about Medicare](https://solidhealthinsurance.com/first-presidential-debate-evokes-heated-discussion-about-medicare/) - In the first presidential debate between President Obama and Mitt Romney a heated discussion about the future of medicare took place. Both parties are concerned how to preserve medicare for the future generations, as the cost of medicare with the generation of babyboomers going into the system might make it unstable. Obama's suggestion is to - [Why woman should have life insurance in Santa Monica](https://solidhealthinsurance.com/why-woman-should-have-life-insurance-in-santa-monica/) - With high mortgages and ever rising cost of education and living expenses every family, husband and wife, in Santa Monica should make sure that their life insurance covers their needs. To often families oversee that not only the breadwinner should carry life insurance but also the life partner who works at home taking care of - [Presidential Election will effect the health care reform 2014 and with that your affordable health care insurance in Santa Monica](https://solidhealthinsurance.com/presidential-election-will-effect-the-health-care-reform-2014-and-with-that-your-affordable-health-care-insurance-in-santa-monica/) - With the presidential election in full swing, about 70 % of people living in Santa Monica believe that the healthcare reform will be in effect in 2014. Depending on the elected President we will see drastic changes in the healthcare system. We will most likely move from an employer driven health care system to an - [High Blood Pressure can effect your affordable health insurance in Santa Monica](https://solidhealthinsurance.com/high-blood-pressure-can-effect-your-affordable-health-insurance-in-santa-monica/) - Nearly one-third of all U.S. residents have high blood pressure and this health condition can seriously affect your affordable health insurance in Santa Monica Accordingly to the latest "Vital Signs" report from CDC nearly one this oa all Americans have high bloodpressure and more than half of the cases are out of control," The Hill's "Healthwatch" reports - [The most recent numbers on health care spending in the US - will it allow affordable health insurance in Brentwood](https://solidhealthinsurance.com/the-most-recent-numbers-on-health-care-spending-in-the-us-will-it-allow-affordable-health-insurance-in-brentwood/) - The most recent numbers show still only a slight increase of health care spending in the US, which could mean that affordable health insurance in Brentwood is possible. In 2009, health spending increased only 3.8%, an all-time low. The 2010 increase was only slightly higher at 3.9%. This slow growth in 2010 health spending matched - [Back to School - a great time to review your life insurance in Santa Monica](https://solidhealthinsurance.com/back-to-school-a-great-time-to-review-your-life-insurance-in-santa-monica/) - Schools in Los Angeles and Santa Monica started as early as in the middle of August. Many families are already back in normal routines. Now is the perfect time to review your life insurance needs. We often forget that life changes, such as marrying, buying a bigger house, the birth of a child, do trigger - [Affordable Health Insurance in Brentwood - did you know that 5 % of American spent half of the health care expenditures](https://solidhealthinsurance.com/affordable-health-insurance-in-brentwood-did-you-know-that-5-of-american-spent-half-of-the-health-care-expenditures/) - Wondering about affordable health insurance in Brentwood, and why when you hardly spend anything on health care your insurance rates keep on climing? Accordingly to a new issue brief from the National Institute of Health Care Management in 2009 half the population – fully 150 million people – spent an average of just $236 per - [Confused about the Medical Loss Ratio Check a way to improve affordable health insurance in Los Angeles](https://solidhealthinsurance.com/confused-about-the-medical-loss-ratio-check-a-way-to-improve-affordable-health-insurance-in-los-angeles/) - Are you still confused about the Medical Loss Ratio ( MLR) Check a good way to find affordable health insurance in Santa Monica. Why do some some insurance policy holders are getting rebates? First, what is the minimum medical loss ratio, or MLR? It’s part of the Affordable Care Act (ACA), also known as health - [Small Business Health Insurance Policyholders in Brentwood - What to do with the rebate checks?](https://solidhealthinsurance.com/small-business-health-insurance-policyholders-in-brentwood-what-to-do-with-the-rebate-checks/) - In the next week many small businesses in Brentwood , Santa Monica and Pacific Palisades ,who offer health insurance will receive a rebate check from their health insurance carrier. Here are some helpful instructions how the rebate check might be distributed to your employees. Assuming the average rebate will be about $75 per participant, issues - [California is preparing to implement Health Care exchanges in 2014, what does it mean for your affordable health insurance in Santa Monica](https://solidhealthinsurance.com/california-is-preparing-to-implement-health-care-exchanges-in-2014-what-does-it-mean-for-your-affordable-health-insurance-in-santa-monica/) - With the Supreme Court Ruling, which upheld President Obama's Healthcare overhaul law, saying its requirement that most Americans obtain health insurance or pay a penalty, California is in full swing to prepare for California Health Exchange in 2014 and with that a new way to find affordable health insurance in Santa Monica. In 15 months - [US Supreme Court approves Obama care, what does this mean for finding affordable health insurance in Santa Monica](https://solidhealthinsurance.com/us-supreme-court-approves-obama-care-what-does-this-mean-for-finding-affordable-health-insurance-in-santa-monica/) - The US Supreme Court upheld the constitutionality of the Patient Protection and Affordable Care Act yesterday, what will this mean for finding affordable health insurance in Santa Monica. On a 5-4 vote the Justices found the individual mandate at the heart of the PPACA constitutional as a tax. On a 7-2 vote the Court did - [Healthy tips for the Summer from your health insurance specialist in Santa Monica](https://solidhealthinsurance.com/healthy-tips-for-the-summer-from-you-health-insurance-specialist-in-santa-monica/) - Summer is finally And as you health insurance agent in Santa Monica, I want to share some helpful tips with you how to be prepared for the Summer. 1) Travel Health Insurance : Are you going away on vacation? Have you checked how your health insurance pays, if you leave the state or go abroad. Many - [Welcome News for affordable health insurance in Santa Monica -1.9 million Californians will receive rebates from health insurance carrier](https://solidhealthinsurance.com/welcome-news-for-affordable-health-insurance-in-santa-monica-1-9-million-californians-will-receive-rebates-from-health-insurance-carrier/) - Welcome news for affordable health insurance in Santa Monica,this year, 1.9 million California residents are expected to receive rebates from health insurers because of a medical-loss ratio requirement in the federal health reform law, according to HHS state-by-state data. The average rebate in California is expected to be $65, compared with $151 nationwide. "Insurance - [With the Health insurance rebates in August, health insurance will be more affordable in Brentwood](https://solidhealthinsurance.com/with-the-health-insurance-rebates-in-august-health-insurance-will-be-more-affordable-in-brentwood/) - Good news, with the federal health care reform and the commitment that 80 % of health insurance premium for individual and small group business has to be spent on medical care , health insurance in Brentwood and throughout California will be more affordable . In August the rebates of all major carriers will be distributed, - [Better affordable health insurance for Women in Santa Monica](https://solidhealthinsurance.com/better-affordable-health-insurance-for-women-in-santa-monica/) - Starting August 1, 2012 there are many improvements for women in Santa Monica for preventive services, which makes affordable health insurance more reachable. The Department of Health and Human Services (HHS) issued new guidelines on Women's Preventive Health Services that require non-grandfathered group and individual health benefit plans and issuers to provide preventive services without - [Affordable Health Care Protection brings peace of mind for your family in Brentwood](https://solidhealthinsurance.com/affordable-health-care-protection-brings-peace-of-mind-for-your-family-in-brentwood/) - Affordable Health Care Protection brings peace of mind for you family in Brentwood. Many of us know by now that health care cost are exorbitant. A colleague told recently a story of a his daughter’s appendix operation. His daughter had an emergency appendix operation, luckily the doctors were able to remove the appendix before it - [Affordable Health Insurance in Santa Monica, Does Spending more results into better health care?](https://solidhealthinsurance.com/affordable-health-insurance-santa-monica/) - The Commonwealth Fund released a report last Thursday detailing healthcare spending in the U.S. compared to 12 other industrialized countries. The report found that, despite higher costs, quality of care in the U.S. was not notably superior to less-expensive systems, and in other ways lagged behind. The higher spending could not be attributed to common indicators, such - [Center of Medicare and Medicaid Services ( CMS ) projects that $ 200 billion will be saved by implementing the health care reform, a welcome news for finding affordable health insurance in Brentwood](https://solidhealthinsurance.com/center-of-medicare-and-medicaid-services-cms-projects-that-200-billion-will-be-saved-by-implementing-the-health-care-reform-a-welcome-news-for-finding-affordable-health-insurance-in-brentwood/) - The report, released by the Centers for Medicare and Medicaid Services (CMS), said the Federal Health care reform law will produce savings for the Medicare trust fund of roughly $ 200 billlion by 2016, while also saving seniors nearly $60 billion in out-of-pocket costs; these are welcome news for finding affordable health insurance in Brentwood. - [Affordable health care cost in Santa Monica is still very unclear](https://solidhealthinsurance.com/affordable-health-care-cost-in-santa-monica-is-still-very-unclear/) - The transparency of affordable health care cost in Santa Monica is still very unclear. Last week Chad Terhune from the Los Angeles Times published below’s very interesting article. It discusses how difficult is to figure out the procedure cost for common medical procedures such as a blood test or gall bladder removal. With the ever - [How will the Supreme Court decision influence the Health Care Reform in California, will it be even harder to find affordable health insurance in Santa Monica?](https://solidhealthinsurance.com/how-will-the-supreme-court-decision-influence-the-health-care-reform-in-california-will-it-be-even-harder-to-find-affordable-health-insurance-in-santa-monica/) - Affordable Health Insurance in Santa Monica is very much depended on the out come of the Supreme Court ruling and how the states man in California will react to the ruling. About 21% of the population of the State of California, nearly 7 million people, are uninsured. Consequently, California is paying close attention to last - [Summary of Supreme Court's hearing- will it influence affordable health insurance in Santa Monica](https://solidhealthinsurance.com/summary-of-supreme-courts-hearing-will-it-influence-affordable-health-insurance-in-santa-monica/) - Last week the Supreme Court has evaluated many aspect of the health care reform and the affordability of health insurance in the US. Please find following informative Summary from Blue Shield about last weeks supreme court hearing. Health Reform Goes to the Supreme Court The U.S. Supreme Court heard three days of highly anticipated - [Supreme Court opens Health Care Debate, will we have mandatory health insurance for all ?](https://solidhealthinsurance.com/supreme-court-opens-health-care-debate-will-we-have-mandatory-health-insurance-for-all/) - The Supreme Court is reviewing the Health care Reform act., this can have a significant effect of affordable health insurance for us in California and the Rest of the USA. As I am unqualified to report on the legal issues of the Supreme Court and the health care reform issues I wanted to share this - [Anthem subscriber in Santa Monica might switch into newer plans without medical underwriting and find affordable health insurance](https://solidhealthinsurance.com/anthem-subscriber-in-santa-monica-might-switch-into-newer-plans-without-medical-underwriting-and-find-affordable-health-insurance/) - Many Anthem policy holders who have currently Share Plans and Smart Sense experienced higher premium increases in May. In order to keep affordable health insurance in Santa Monica, it is time to move out of these plans and consider new Anthem plans. Due to Serencsa Class Action lawsuit you have a small window to change - [New Regulations about future Health Insurance Exchanges are published - we agents might have a future in Santa Monica!](https://solidhealthinsurance.com/new-regulations-about-future-health-insurance-exchanges-are-published-we-agents-might-have-a-future-in-santa-monica/) - On March 12, 2012, the Department of Health and Human Services (HHS) published a final rule on Affordable Health Insurance Exchanges (Exchanges), which are new state-based marketplaces beginning in 2014 for individuals and small employers to buy health insurance. Within the rule, several sections are issued as interim final and subject to comment. The final - [Anthem, what are you thinking ... we are tired of health insurance increases in Brentwood](https://solidhealthinsurance.com/anthem-what-are-you-thinking-we-are-tired-of-health-insurance-increases-in-brentwood/) - Last month many Anthem policyholders received notices that their health insurance will increase. The average health insurance increase is 8 to 14 % , but many old policyholder who are on grandfathered Anthem plan experience premium increase between 20- 25 % . This is not justified as federal figures show that the cost of goods - [Another Health insurance Premium increase -how can we afford health insurance in Santa Monica?](https://solidhealthinsurance.com/another-health-insurance-premium-increase-how-can-we-afford-health-insurance-in-santa-monica/) - After a considerable stable health insurance market in 2011, California’s largest health insurers are raising their average rates by approximately eight to 14 percent for hundreds of thousands of customers who have individual coverage, the Los Angeles Times reported on Friday. This is a hardship for Californians, as affordable health insurance is almost impossible to - [7 healthy tips to get ready for Spring - as good health is a key to find affordable health insurance in Santa Monica](https://solidhealthinsurance.com/7-healthy-tips-to-get-ready-for-spring-as-good-health-is-a-key-to-find-affordable-health-insurance-in-santa-monica/) - Being in good health is a key to find affordable health insurance in Santa Monica. While Spring is just around the corner the time of hibernating is over. Sitting in front of the television while snacking, leaves many of us feel sluggish and gain weight. With the longer daylight hours and warmer temperature, it is - [Confused if preventive care is 100 % covered in your health insurance Plan in Brentwood?](https://solidhealthinsurance.com/confused-if-preventive-care-is-100-covered-in-your-health-insurance-plan-in-brentwood/) - Are you one of so many people in Brentwood, who are confused if their health insurance plan covers preventive care 100 percent? You are not the only one accordingly to a study by the Kaiser Family Foundation more than 42% of Americans are unsure of how the health care reforms will affect their health insurance - [The Medicare Annual Disenrollment Period ends tomorrow February 14th, do you have affordable health insurance in Santa Monica?](https://solidhealthinsurance.com/the-medicare-annual-disenrollment-period-ends-tomorrow-february-14th-do-you-have-affordable-health-insurance-in-santa-monica/) - The Medicare Annual Disenrollment Period (ADP) starts from January 1st through February 14th, please let us help you to find affordable health insurance in Santa Monica. In the Medicare Annual Disenrollment Period ( ADP ) beneficiaries who have a current MAPD or MA plan, may choose to disenroll from their MAPD or Ma plan and - [Long Term Care Insurance - Did you ever discuss it with your loved Ones in Santa Monica?](https://solidhealthinsurance.com/long-term-care-insurance-did-you-ever-discuss-it-with-your-loved-ones-in-santa-monica/) - Although every day 10,000 people are turning 65, Long Term Care Insurance is still not popular in Santa Monica. Only 8 million Americans carry this essential insurance in the United States, but recent studies show that 6 out of 10 people will need it during their lifetime. With Nursing home costs running more than $ - [Health care reform changes in 2012 how do they affect your affordable health insurance in Brentwood](https://solidhealthinsurance.com/health-care-reform-changes-in-2012-how-do-they-affect-your-affordable-health-insurance-in-brentwood/) - Some of the health care reform changes in 2012 will affect how affordable health insurance in Santa Monica will be. There will be additional preventive services offered on all non- grand fathered plan. Here are more specific. "Preventive Services at Additional Cost for Women in 2012 In August 2011, the list of preventive services that - [See Change introduces new group health insurance policies in Brentwood, California](https://solidhealthinsurance.com/see-change-introduces-new-group-health-insurance-policies-in-brentwood-california/) - The financial sound health insurance company "See Change" has been in other states for 39 years and entered the California market and Brentwood with their very affordable group health insurance plans since 2011. "See Change" has a new approach of providing health insurance and wants that their members take active charge of their own health. - [Commissioner introduces new Annuity protection in January for California](https://solidhealthinsurance.com/commissioner-introduces-new-annuity-protection-in-january-for-california/) - Although we mostly blog in Santa Monica and Brentwood about changes in the health insurance industry, as I am licensed to sell Annuities, I wanted to inform you about the important changes Commissioner Jones introduces for Annuities Protection AB689. "Far too long, seniors have been victimized by the aggressive marketing and sale of annuity products - [Blue Shield will increase health insurance premium in March 2012 , how will this affect affordable health insurance in Santa Monica, California](https://solidhealthinsurance.com/blue-shield-will-increase-health-insurance-premium-in-march-2012-how-will-this-affect-affordable-health-insurance-in-santa-monica-california/) - Blue Shield will increase health insurance premium for all Individual and Family Plans in Santa Monica and the rest of California. The March 2012 rate increases are due to increasing health care costs. The statewide average medical increase will be 9.7 percent for all Individual and Family plans in California. Blue Shield will continue their - [Health Care spending rose 3.9% in 2010 - find affordable health insurance in Brentwood](https://solidhealthinsurance.com/health-care-spending-rose-3-9-in-2010-find-affordable-health-insurance-in-brentwood/) - The health care spending rose in 2010 only 3.9 %, which is the second lowest rate on record, and will make it easier to find affordable health insurance in Brentwood. Some of the reason why the healthcare cost rose only moderately is due to the "on going recession". More consumer are avoiding to go to - [Medicare Annual Disenrollment Period (ADP ) is now - find affordable health insurance in Santa Monica](https://solidhealthinsurance.com/medicare-annual-disenrollment-period-adp-is-now-find-affordable-health-insurance-in-santa-monica/) - The Medicare Annual Disenrollment Period (ADP) starts from January 1st through February 14th, please let us help you to find affordable health insurance in Santa Monica. In the Medicare Annual Disenrollment Period ( ADP ) beneficiaries who have a current MAPD or MA plan, may choose to disenroll from their MAPD or Ma plan and - [HSA Contribution for 2012 - an affordable way to find health insurance in Brentwood](https://solidhealthinsurance.com/hsa-contribution-for-2012-an-affordable-way-to-find-health-insurance-in-brentwood/) - HSA Health insurance Plans are a way to find affordable health insurance in Brentwood. Here are the IRS changes for 2012 : The contribution limit for an individual will by $50 in 2012, from $3,050 to $3,100. The family contribution limit is increasing from $6,150 to $6,250 (+$100). The maximum annual out-of-pocket increased as well. - [Less Employers offer Health Insurance to their Employees in Santa Monica and California](https://solidhealthinsurance.com/less-employers-offer-health-insurance-to-their-employees-in-santa-monica-and-california/) - For many years employer-based coverage is the leading source of health insurance in Santa Monica and California. But in the last 2 years the proportion of California employers offering health insurance coverage dropped significantly from 73 % to 63%. In the last 10 years health care cost have exploded and caused health insurance premiums to - [The number of uninsured in California is still rising - one reason why is harder to find affordable health insurance in Brentwood](https://solidhealthinsurance.com/the-number-of-insured-in-california-is-still-rising-one-reason-why-is-harder-to-find-affordable-health-insurance-in-brentwood/) - Over the past two decades, California has seen an increase in the percentage of people who are uninsured. California now has the largest number of people without health insurance — 6.9 million — of any state in the nation. Unfortunately due to the high number of uninsured the premium for the insured are rising in - [Affordable Health Insurance for 2012 in Santa Monica](https://solidhealthinsurance.com/affordable-health-insurance-for-2012-in-santa-monica/) - Another year is almost behind us, the health insurance industry started in 2011 in California with many unpopular rate increases, which were successfully frozen due to intervention from the California Insurance Commissioner. Blue Shield even gave twice to their policy holders money back, when their net profits grew over 2 percent. What will 2012 have - [Blue Shield announces Premium increases for March 2012 - will it be even harder to find affordable health insurance in Brentwood?](https://solidhealthinsurance.com/blue-shield-announces-premium-increases-for-march-2012-will-it-be-even-harder-to-find-affordable-health-insurance-in-brentwood/) - Blue Shield of California Life & Health Insurance Company announces that their health insurance premium will increase for March 2012, will it be even harder to find affordable health insurance in Brentwood in 2012? Individual and Family plans underwritten by Blue Shield of California Life & Health Insurance Company and Blue Shield of California will - [Healthy Life Style Tips for 2012 - might help finding affordable health insurance in Santa Monica easier](https://solidhealthinsurance.com/healthy-life-style-tips-for-2012-might-help-finding-affordable-health-insurance-in-santa-monica-easier/) - One of the most critical aspects of finding affordable health insurance in Santa Monica is to be in good shape, meaning not being overweight and having an active life style without taking medications. If you feel that you could be healthier, here are some ways to make that transition from headache to habit in a - [Why is it more difficult to offer affordable health insurances in Santa Monica ? Illustrated by the negotiation between UCLA and Blue Shield of California](https://solidhealthinsurance.com/why-is-it-more-difficult-to-offer-affordable-health-insurances-in-santa-monica-illustrated-by-the-negotiation-between-ucla-and-blue-shield-of-california/) - Currently we have a big negotiation fight between UCLA and Blue Shield, and this fight illustrates clearly why it is getting more difficult to receive affordable health insurance in Santa Monica. Yesterday Blue Shield sent to all the producers this very important clarification about the negotiation between UCLA and Blue Shield. What's at stake in - [How affordable is your healthinsurance for 2012 in Santa Monica?](https://solidhealthinsurance.com/how-affordable-is-your-healthinsurance-for-2012-in-santa-monica/) - How affordable is your health insurance for 2012 in Santa Monica? As we approach the end of the year 2011, many of us become overwhelmed with all the preparations for the holidays, leaving us less time to review our budget for 2012. However, once the holiday rush has passed, you should take the time to - [1 Day left in the Annual Enrollment Period for Medicare Advantage Plan and Part D - are you all set up to have affordable health insurance in 2012 in Brentwood](https://solidhealthinsurance.com/1-day-left-in-the-annual-enrollment-period-for-medicare-advantage-plan-part-d-are-you-all-set-up-to-have-affordable-health-insurance-in-2012-in-brentwood/) - In contrast to previous years there is only 1 more day left in the Annual Medicare Advantage and Part D Enrollment Period (AEP) for 2012, The AEP is an important tool to guarantee affordable health insurance for medicare eligible subscriber in Santa Monica. The Annual Enrollment Period for Medicare Advantage Plans and Part D for - [Blue Shield Of California and UCLA Medical Group are parting ways - how will it affect policy holders in Santa Monica ?](https://solidhealthinsurance.com/blue-shield-of-california-and-ucla-medical-group-are-parting-ways-how-will-it-affect-policy-holders-in-santa-monica/) - Blue Shield of California and UCLA Medical Group are parting ways and this will have affect many policyholders in Santa Monica, Pacific Palisades and Brentwood in their effort to finding affordable health insurance. As in 2008 Blue Shield of California and UCLA Medical Group could not find agreement in their negotiations for 2012, with the - [10 Days Left in the Annual Medicare Advantage Enrollment Period - an important tool for affordable health insurance in Santa Monica](https://solidhealthinsurance.com/10-days-left-in-the-annual-medicare-advantage-enrollment-period-an-important-tool-for-affordable-health-insurance-in-santa-monica/) - In contrast to previous years there are only 10 days left in the Annual Medicare Advantage and Part D Enrollment Period (AEP) for 2012, The AEP is an important tool to guarantee affordable health insurance for medicare eligible subscriber in Santa Monica. The Annual Enrollment Period for Medicare Advantage Plans and Part D for 2012 - [Health Insurance Premium Increases are now watched by the Federal Government - one way to offer affordable health insurance in Brentwood](https://solidhealthinsurance.com/health-insurance-premium-increases-are-now-watched-by-the-federal-government-one-way-to-offer-affordable-health-insurance-in-brentwood/) - A tool in the new health care reform allows the federal government, precisely the Department of Health & Human Services HHS to announce unreasonable rate increases by insurance carriers, this will be one way to secure that affordable health insurance in Brentwood will be still available in the future. On Monday the HHS announced that - [10 Healthy Tips to make this Holiday Season enjoyable and meaningful in Santa Monica](https://solidhealthinsurance.com/10-healthy-tips-to-make-this-holiday-season-enjoyable-and-meaningful-in-santa-monica/) - For many of us the holiday season is a time filled with joy. However, that joy is often accompanied by some anxiety. Your specialist for affordable health insurance in Santa Monica offers you below 10 healthy tips for a meaningful and enjoyable holiday season in Santa Monica: 1) Set Manageable Expectations: Remember you are not - [Family Health Insurance Premiums exceed 20 % of income - one more reason to research the market for affordable health insurance in Santa Monica](https://solidhealthinsurance.com/family-health-insurance-premiums-exceed-20-of-income-one-more-reason-to-research-the-market-for-affordable-health-insurance-in-santa-monica/) - Family health insurance premiums in California and Santa Monica went up to 52 percent between 2003 and 2010 and now exceed 20 $ of income, this is one more reason to shop in 2012 for affordable health insurance in Santa Monica. In 2003, the average health insurance premium in California was $ 9091, which was - [Anthem changes Rate guarantee for the individual insurance market, another obstacle to find affordable health insurance in Brentwood](https://solidhealthinsurance.com/anthem-changes-rate-guarantee-for-the-individual-insurance-market-another-obstacle-to-find-affordable-health-insurance-in-brentwood/) - Anthem Blue Cross, one of the major Indiviual insurance carrier in Brentwood and California, just announced that their initial rate guarantee for new applicants will be decreased from 12 months to 6 months starting 2012, which creates another obstacle to find affordable health insurance in Brentwood. So it is time to act now, all applications - [Contract Negotiation between UCLA and Blue Shield affect many policy holders in Santa Monica, Brentwood and Pacific Palisades in the effort of finding quality, affordable health insurance](https://solidhealthinsurance.com/contract-negotiation-between-ucla-and-blue-shield-affect-many-policy-holders-in-santa-monica-brentwood-and-pacific-palisades-in-the-effort-of-finding-quality-affordable-health-insurance/) - The recent news that Blue Shield HMO's are not in the UCLA network have affected many policy holders here in Santa Monica, Brentwood and Pacific Palisades, and their effort to finding quality affordable health insurance. Not only HMO group insurance policy holders but also many Seniors, who have a Medicare Advantage plan with Blue Shield, - [Few Insurer in California, might finding affordable health insurance in Santa Monica more difficult](https://solidhealthinsurance.com/few-insurer-in-california-might-finding-affordable-health-insurance-in-santa-monica-difficult/) - Accordingly to the most recent statistic five insurance carriers accounted for three-fourths of the $ 105 billion health insurance revenues in California; with such little competition it is even harder to find affordable health insurance in Santa Monica. Kaiser Permanente owns 33% of the California market, Anthem Blue Cross 15 %, Blue SHield 10 % - [Medicare Part B Premiums raised only slightly for 2012 - good news for Seniors to continue affordable health insurance in Brentwood](https://solidhealthinsurance.com/medicare-part-b-premiums-raised-only-slightly-for-2012-good-news-for-seniors-to-continue-affordable-health-insurance-in-brentwood/) - Part B Premiums for Medicare beneficiaries will rise more modestly in 2012 than previous expected, which is good news for Seniors being able to keep affordable health insurance in Brentwood and the rest of the country . Standard Premiums Part B had been projected to increase to $ 106.60 a months, but instead will rise - [Halloween- What to do with all the candies, teach your kids healthy life style in Santa Monica](https://solidhealthinsurance.com/halloween-what-to-do-with-all-the-candies-teach-your-kids-healthy-life-style-in-santa-monica/) - Today is Halloween and the excitement of our kids to get tons of candy in Santa Monica is huge, but we parents have to make sure that our kids stay healthy. With rising childhood obesity, 20 % of our kids are obese, and all the dental problems caused by candies, we need to make sure - [CMS approved cuts in Medi-Cal in California, which will have consequences for Medi-Cal patients to find quality health care providers in California](https://solidhealthinsurance.com/cms-approved-cuts-in-medi-cal-in-california-which-will-have-consequences-for-medi-cal-patients-to-find-quality-health-care-providers-in-california/) - CMS, the federal Centers for Medicare and Medicaid Services has approved California state budget proposals to reduce Medi-Cal provider reimbursement rates by 10 % , which will have consequences for Medi-Cal patients to find quality health care providers in California. The Budget cut assumes a savings of$ 623 million General Fund from the reimbursement proposals. - [Subsidized Pre-Existing Health Program (PCIP) - one measure of affordable health insurance in Santa Monica, California falls short of enrollment](https://solidhealthinsurance.com/subsidized-pre-existing-health-program-pcip-one-measure-of-affordable-health-insurance-in-santa-monica-california-falls-short-of-enrollment/) - The enrollment of the subsidized health insurance program for pre exisiting health conditons (PCIP), one measure to offer affordable health insurance in Santa Monica and the rest of California, falls still short of expectations. After its first anniversary, there are approx. 5000 members, where as the target for membership enrollment was planned to be an - [Insurers and Employers will incentify healthy behaviors of their employees -as one measure to be able offer affordable health insurance in Santa Monica](https://solidhealthinsurance.com/insurers-and-employers-will-incentify-healthy-behaviors-of-their-employees-as-one-measure-to-be-able-offer-affordable-health-insurance-in-snata-monica/) - With exploding health care cost, and consequently higher health insurance premiums in Santa Monica, California and the rest of the U.S., more employers and Insurers give incentives to their employees and policyholders, when they demonstrate healthy behaviors. Employers such as American Express gave their employees $ 200 toward their health care expenses, if they walked - [Public Long Term Care Insurance Plan (CLASS) was canceled this week](https://solidhealthinsurance.com/public-long-term-care-insurance-plan-class-was-canceled-this-week/) - CLASS, the Community Living Assistance Services and Support program, was canceled this week from the Obama health care plan. Long Term Care includes not only nursing homes, but such services as home health aides for disabled people. The Class Program was suppose to be launched in 2012, it was a program sponsored by the government, - [Blue Shield announces another 283 million in premium refund - this is one way to offer affordable health insurance in Brentwood](https://solidhealthinsurance.com/blue-shield-announces-another-283-million-in-premium-refund-this-is-one-way-to-offer-affordable-health-insurance-in-brentwood/) - One way to offer affordable health insurance is the additional $ 283 premium refund announcement in December by Blue Shield Customers for its 2 million policy holders in California Blue Shield, the San Francisco non profit insurer, had promised to return money to their policyholders when its net income exceeded 2 % of revenue. After - [Small Business Owner in Santa Monica Filing Deadline for Health Care Tax Credit is today](https://solidhealthinsurance.com/small-business-owner-in-santa-monica-filing-deadline-for-health-care-tax-credit-is-today/) - In an effort to offer for small business affordable health insurance this year the Affordable Care Act's Small Business Health Care Tax Credit is still available;the filing deadline for the Small Business Health Care Tax Credit in Santa Monica is today, October 17, 2011. The filing deadline for many small businesses has already passed, but - [Less Competion in Health Insurance Market influences affordable health insurance in Santa Monica](https://solidhealthinsurance.com/less-competion-in-health-insurance-market-influences-affordable-health-insurance-in-santa-monica/) - Accordingly to the newest Kaiser Family Foundation report the health insurance market in the individual and small group insurance is very concentrated, which might influence affordable health insurance in Santa Monica and the rest of the country. In the majority of States one single insurance carrier holds about 45-54% of market share in the state. - [Govenor Brown signs health care bills which will protect teenagers in Santa Monica, California](https://solidhealthinsurance.com/govenor-brown-signs-health-care-bills-which-will-protect-teenagers-in-santa-monica-california/) - Governor Jerry Brown signed this week three health care bills, which will protects teenager in Santa Monica and the rest of California. * California will be the first state to make it illegal for teenager under 18 years to use tanning beds. Currently approx 5-10 percent of tanning salon users are under 18 years old. - [Anthem will drop Wallgreens Pharmacy - a consequence to offer affordable health insurance in Brentwood](https://solidhealthinsurance.com/anthem-will-drop-wallgreens-pharmacy-a-consequence-to-offer-affordable-health-insurance-in-brentwood/) - In order to keep the pharmaceutical cost down and to be still able to offer affordable health insurance in Brentwood, Anthem announced that beginning January 2012 prescriptions will be no longer filled at Wallgreens. Accordingly to a report 2010 by the CDC the US National spending for prescription drugs was $234.1 billion in 2008, which - [October is National Breast Cancer Awareness Month- take advantage of your free mammogram on the new health insurance plans in Santa Monica](https://solidhealthinsurance.com/october-is-national-breast-cancer-awareness-month-take-advantage-of-your-free-mammogram-on-the-new-health-insurance-plans-in-santa-monica/) - October is National Breast Cancer Awareness Month, all of the new health insurance plans offer free preventive care, so take advantage of your free preventive mammogram in Santa Monica and visit your doctor in the month of October. [trafficplayer_skin padding: 41px 0 0 41px; width: 366px; height: 515px; background: url(https://solidhealthinsurance.com/blog/wp-content/uploads/skin10_325x300.png) no-repeat top left; text-align: left;][trafficplayer_youtube_video - [2011 Health Insurance Findings are published - affordable health insurance in Brentwood are harder to find](https://solidhealthinsurance.com/2011-health-insurance-findings-are-published-affordable-health-insurance-in-brentwood-are-harder-to-find/) - The Annual Summary of Employer Health Benefits for 2011 has been published by the Kaiser Family Foundation, an important tool to see the trends of affordable health insurance in Brentwood and the USA. Here are some highlights: 1)The average annual premium for employer sponsored health insurance in 2011 are $5429 for single coverage and $ - [Maternity Coverage could be required on individual health insurance in Santa Monica California](https://solidhealthinsurance.com/maternity-coverage-could-be-required-on-individual-health-insurance-in-california/) - Since maternity coverage has not been mandated in the individual health insurance plans in Santa Monica and California, now only 19 % of insured have maternity coverage compared to 82% in 2004. Although the limited maternity insurance plans can be a true burden on young families, it has helped to keep the health insurance rates - [September is Life Insurance Awareness Month- do not postpone any longer your life insurance needs in West Los Angeles](https://solidhealthinsurance.com/september-is-life-insurance-awareness-month-do-not-postpone-any-longer-your-life-insurance-needs-in-west-los-angeles/) - [trafficplayer_skin padding: 41px 0 0 41px; width: 366px; height: 515px; background: url(https://solidhealthinsurance.com/blog/wp-content/uploads/skin10_325x300.png) no-repeat top left; text-align: left;][trafficplayer_youtube_video width="325" height="300" src="http://www.youtube.com/embed/DpSsqgAVVLg?&autohide=0&autoplay=1&controls=1&hd=0&rel=0&showinfo=0" ][/trafficplayer_youtube_video][/trafficplayer_skin] Today is the last day of September, although many of us understand the need of life insurance, we people living in West Los Angeles are so busy that we are often postpone the decision - [Shifting Health Insurance Cost to Workers is one way to be able to offer affordable small group health insurance in Brentwood](https://solidhealthinsurance.com/shifting-health-insurance-cost-to-workers-is-one-way-to-be-able-to-offer-affordable-small-group-health-insurance-in-brentwood/) - Faced with continually climbing health insurance premiums, a record share of employers have moved to plans that require workers to pay more out of their pocket, in order to offer affordable small group health insurance in Brentwood and the remaining United States. In 2011 half of the workers in small firms , are faced with - [Healthy Tips for Fall - affordable health insurance in Santa Monica](https://solidhealthinsurance.com/healthy-tips-for-fall-affordable-health-insurance-in-santa-monica/) - Healthy tips for Fall - keeping healthy is an important matter to find affordable health insurance in Santa MonicaAutumnEnjoy this Fall Season and emphasis outdoor exercise and good healthy eating habits, here are 10 great tips:Flu Shots : in all new health insurance plan preventive flu shots immunization are free of charge. But even if - [Inadequate health insurance rose 80 % in the last 7 years - affordable health insurance in Brentwood an utopia?](https://solidhealthinsurance.com/inadequate-health-insurance-rose-80-in-the-last-7-years-affordable-health-insurance-in-brentwood-an-utopia/) - The number of adults whose health insurance was inadequate rose 80 % from 2003 to 2010 accordingly to a report by the Commonwealth Fund published in the journal of Health Affairs, which leads us to the questions is affordable health insurance in Brentwood an utopia? The Commonwealth Fund defines inadequate health insurance, if either criteria - [Panel suggest to raise Medicare Eligibility Age to Rise to 67, as a way to be able to offer affordable health insurance in Santa Monica](https://solidhealthinsurance.com/panel-suggest-to-raise-medicare-eligibility-age-to-rise-to-67-as-a-way-to-be-able-to-offer-affordable-health-insurance-in-santa-monica/) - A Health Care Leadership Council suggested to raise the age for people to become eligible for Medicare from 65 to 67 in an effort to control the ever expanding medica cost, so that we will be still able have affordable health insurance in the USA and Santa Monica. In their estimation this would save about - [Annual Medicare Advantage Enrollment Period changes for 2012 - an important tool for affordable health insurance in Brentwood](https://solidhealthinsurance.com/annual-medicare-advantage-enrollment-period-changes-for-2012-an-important-tool-for-affordable-health-insurance-in-brentwood/) - An important tool of affordable health insurance in Brentwood are the Medicare Advantage Plans for people 65 years an older. This year the enrollment period for Advantage plans for January 2012 effective dates have changed from years past. * The Annual Enrollment Period for Medicare Advantage Plans and Part D will begin October 15,2011 and - [American doctors earn top salary, one of the reason why affordable health insurance in Brentwood is difficult to find](https://solidhealthinsurance.com/american-doctors-earn-top-salary-one-of-the-reason-why-affordable-health-insurance-in-brentwood-is-difficult-to-find/) - U.S doctors earn Top salaries and this is one of the reason why affordable health insurance in Brentwood is difficult to find . Accordingly to an analysis from researchers at Columbia University's Mailman School of Public Health the U.S. spends much more on physician care than Australia, Canada, France, Germany, and the U.K. do. In - [Why should I have life insurance in Santa Monica?](https://solidhealthinsurance.com/why-should-i-have-life-insurance-in-santa-monica/) - Traditionally, the need for life insurance and financial security in Santa Monica has been triggered by major life events; when providing for your loved ones becomes more critical. Typical life events that increase the need for protection include: Marriage Birth of child Covering existing mortgage Income protection for spouse Purchase of a new home Planning for - [Blue Shield will credit in September $167 million to members - one way to find affordable health insurance in Brentwood](https://solidhealthinsurance.com/blue-shield-will-credit-in-september-167-million-to-members-one-way-to-find-affordable-health-insurance-in-brentwood/) - A great way to find affordable healthinsurance in Brentwood is this month credit of $ 167 million from Blue Shield to its members. Blue Shield pledged in June of this year to limit annual profits to no more than 2 percent of revenue. The non profit insurance carrier Blue Shield will use May 2011 dues - [Santa Monica Rand Study reveals that higher Health Care Cost and less affordable health insurance offset US family's income in the last decade!](https://solidhealthinsurance.com/santa-monica-rand-study-reveals-that-higher-health-care-cost-and-less-affordable-health-insurance-offset-us-familys-income-in-the-last-decade/) - Higher health care costs and less affordable health insurance nearly offset the average U.S. family's income gains between 1999 and 2009, according to a RAND study in Santa Monica published on Thursday in Health Affairs, MedPage Today reports. The study found that the median income for an average four-member family increased from $76,000 in 1999 - [Are your up-to-date on your child's immunization? The new health plans do pay for all necessary immunization in West Los Angeles](https://solidhealthinsurance.com/are-your-up-to-date-on-your-childs-immunization-the-new-health-plans-do-pay-for-all-necessary-immunization-in-west-los-angeles/) - With the new affordable health insurance plans since March 23rd 2010 , all preventive immunization are free, which will help families in West Los Angeles save money on health care. As we begin the new school year, we would like to remind you that all students entering grades 7 through 12 are required to have - [Health Insurance Carrier have to announce any increases over 10 %, will this help to find affordable health insurance in Santa Monica?](https://solidhealthinsurance.com/health-insurance-carrier-have-to-announce-any-increases-over-10-will-this-help-to-find-affordable-health-insurance-in-santa-monica/) - Starting today. as a new requirement of the health care reform, all health insurance carrier have to start publicly justifying any insurance premium rate hikes exceeding 10 percent, but it is questionable if this measure will improve the process to find affordable health insurance in Santa Monica. The new rules will mandate that insurers post - [The Vaccination debate continues - new health insurance policies are covering the cost of vaccination in Brentwood](https://solidhealthinsurance.com/the-vaccination-debate-continues-new-health-insurance-policies-are-covering-the-cost-of-vaccination-in-brentwood/) - The vaccination debate continues in Brentwood, Los Angeles. Although all new health insurance plans cover 100 % of the immunization cost for children, more parents have been opting out of inoculations for their kids due to personal beliefs and unfounded fears. With the incidence of measles and whooping cough rising, children who are un-vaccinated are - [Medicare fraud influences finding affordable health insurance in West Los Angeles](https://solidhealthinsurance.com/medicare-fraud-influences-finding-affordable-health-insurance-in-west-los-angeles/) - You might have read last weeks Los Angeles article reporting about a jury convicting a pastor and his wife in Los Angeles of fraudently claiming $ 14.2 million from Medicare. In 2007 Medicare and Medicaid made an estimate of $ 23.7 billion in improper payments. These $ 23.7 billion fraudulent payments, could be much better - [Group Health Insurance - what you need to know to find affordable health insurance in West Los Angeles](https://solidhealthinsurance.com/group-health-insurance-what-you-need-to-know-to-find-affordable-health-insurance-in-west-los-angeles/) - Planning on starting a group health insurance for your small business, here are some guidelines to find affordable health insurance in West Los Angeles. * Your business has to be more than two months in business. Make sure that the statement of information include all business partners of the company. * You need to have - [Uniform Health Insurance Benefit Summaries will make it easier to compare affordable health insurance in Brentwood](https://solidhealthinsurance.com/uniform-health-insurance-benefit-summaries-will-make-it-easier-to-compare-affordable-health-insurance-in-brentwood/) - This week the Department of Health and Human Services (HHS) released a memo of proposed rulemaking for Uniform Benefit Summaries, which will make it easier to compare affordable health insurance in Brentwood and beyond. The intent of Uniform Benefit Summaries is to provide individuals with standard information so they can review medical plans, compare insurers - [Back To School: Affordable Health Insurance Options for College Students in Santa Monica](https://solidhealthinsurance.com/back-to-school-affordable-health-insurance-options-for-college-students-in-santa-monica/) - Back To School, there are many options to consider for affordable health insurance for college students in Santa Monica.. *Parents Health Insurance Plan- with the implementing of the health care reform last year adult children can keep their coverage under a parent's health insurance plan until the age of 26. If the parent health insurance - [Individual Mandate ruled unconstitutional can this affect affordable health insurance in Brentwood](https://solidhealthinsurance.com/individual-mandate-ruled-unconstitutional-can-this-affect-affordable-health-insurance-in-brentwood/) - The individual mandate, that everyone carry health insurance or face tax penalties, was yesterday overthrown by the Atlanta Appeals court and may have a consequence to finding affordable health insurance in Brentwood. In order for the Obama health care reform effectively to work and guarantee that every American can have health insurance, is based on - [Anthem members special discount programs, a creative way to take advantage of their affordable Health Insurance in West Los Angeles](https://solidhealthinsurance.com/anthem-members-special-discount-programs-a-creative-way-to-take-advantage-of-their-affordable-health-insurance-in-west-los-angeles/) - Anthem is introducing a Special Offer Discount Program to their members, a creative way to take advantage of their members 's affordable health insurance in West Los Angeles. With SpecialOffers@AnthemSM, you can save big on things like gym memberships, weight-loss programs, vitamins and skin care products. And most of these offers don't expire! Enjoying things - [S & P downgrade may effect affordable health insurance in Brentwood](https://solidhealthinsurance.com/s-p-downgrade-may-effect-affordable-health-insurance-in-brentwood/) - The S&P downgrade, which resulted in one of the biggest one day stock market losses in the last years, might also have an effect on finding affordable health insurance in Brentwood. In today's speech President Obama addressed the nation concerning the downgrade of the U.S. government by the S & P from a credit rating - [Cigna offers new health insurance plans to improve affordable health insurance in Santa Monica and California](https://solidhealthinsurance.com/cigna-offers-new-health-insurance-plans-to-improve-affordable-health-insurance-in-santa-monica-and-california/) - Cigna just came out with their new Health Insurance Value Plans, which will help to find more affordable health insurance in Santa Monica and California. Cigna, who just recently entered the individual health insurance market in California, has added a more affordable health insurance plan next to their HSA and Access Plan. The plan is - [Women will find a relief in the New Health Care Reform, but it might make it harder to find affordable Health Insurance](https://solidhealthinsurance.com/women-will-find-a-relief-in-the-new-health-care-reform-but-it-might-make-it-harder-to-find-affordable-health-insurance/) - The news are welcome for thousands of women in California, they will be eligible for free birth control, domestic violence counseling, sexual disease screening and breast feeding support effectively by 2012, but there are "no free services" without premium increases, which will result in harder to find affordable Health Insurance in Brentwood Although this preventive - [Athena Breast Health Network, one tip to make your afforadable health insurance work](https://solidhealthinsurance.com/athena-breast-health-network-one-tip-to-make-your-afforadable-health-insurance-work/) - Worried about breast cancer? Here is one good suggestion how to have affordable health insurance work in Santa Monica, while taking advantage of Athena Breast Health Network. Athena is a study of five UC medical centers which plan to unite California women, physicians, and researcher to better personalize breast cancer prevention, screening and treatment. At - [Travel in your Summer vacation, make sure to have affordable health insurance in Brentwood](https://solidhealthinsurance.com/travel-in-your-summer-vacation-make-sure-to-have-affordable-health-insurance-in-brentwood/) - Often while having affordable health insurance in Brentwood, your health care coverage out-of-State and especially Over Seas is very limited. If you are planning to travel overseas or just out-of- State, make sure to buy an inexpensive medical travel insurance. It is most likely that your primary insurance will cover only a fraction of any - [Medigap Policy might be in in jeopardy which will make it more difficult to find affordable health insurance in Santa Monica](https://solidhealthinsurance.com/medigap-policy-might-be-in-in-jeopardy-which-will-make-it-more-difficult-to-find-affordable-health-insurance-in-santa-monica/) - July 15: As debt limit talks drag on, lawmakers are eying possible changes in Medicare supplemental plans moves that could increase seniors’ out-of-pocket costs. Traditional Medicare, the federal health program for the elderly and disabled, requires beneficiaries to pay hospital deductibles and a portion of the cost of tests and doctor visits. To protect themselves - [Lack of dental care influences affordable health insurance in brentwood](https://solidhealthinsurance.com/lack-of-dental-care-influence-affordable-health-insurance-in-brentwood/) - Accordingly to a recent report by the Institute of Medicine millions of Americans lack dental care, which might influence affordable health insurancein Brentwood. The lack of dental care can negatively impact overall health. Poor oral health is linked to a heightened risk for condition such as respiratory illnesses, heart disease and increased use of emergency - [Adult Smoking Rate drops to lowest level, which might stabilize affordable health insurance in West Los Angeles](https://solidhealthinsurance.com/adult-smoking-rate-drops-to-lowest-level-which-might-stabilize-affordable-health-insurance-in-west-los-angeles/) - Good health news in Calfornia might help to stabilize affordable health insurance in West Los Angeles. The smoking rate in California decreased to 11.9%. In comparison to that 27.7% smoked in 1985 in California. Adult smokers in the age range between 25 and 44 showed the greatest decline. Behind Utah, California will be the second - [Number of the uninsured increases which might jeopardize finding affordable health insurance in Santa Monica](https://solidhealthinsurance.com/number-of-the-uninsured-increases-which-might-jeopardize-finding-affordable-health-insurance-in-santa-monica/) - Accordingly to a recent CDC report the number of the uninsured increased to 60.3 million in 2010 in the U.S., a rise of 1.7% to 2009, and may influence Affordable health insurance in Santa Monica. Nearly 2 million more Americans from 2009 to 2010 are uninsured. The most likely reason for the increased uninsured is - [HSA account are they a good tool for affordable health insurance in West Los Angeles ?](https://solidhealthinsurance.com/hsa-account-are-they-a-good-tool-for-affordable-health-insurance-in-west-los-angeles/) - Health Savings Account (HSA ) can be a good tool for affordable health insurance in West Los Angeles, but it is important to learn more on how HSA account work. What is a Health Savings Account ( HSA)? Think of HSAs as “medical” IRAs. They are tax advantaged accounts that individuals with an HSA compatible - [One step closer to regulated affordable health insurance in Santa Monica](https://solidhealthinsurance.com/one-step-closer-to-regulated-affordable-health-insurance-in-santa-monica/) - With Wednesday Senate Health Commitee approval of AB52, we are one step closer to receive regulated Afforable Health Insurance in Santa Monica. The recent health insurance premium hikes, which hurt many consumer in the middle of the economic down turn, have justified for many that the health insurance premium needed to be even more regulated - [Recent Premium Rise in Health Insurance makes it more urgent to find affordable health insurance in Brentwood](https://solidhealthinsurance.com/recent-premium-rise-in-health-insurance-makes-it-more-urgent-to-find-affordable-health-insurance-in-brentwood/) - Starting July 1st, more than 1,5 million Californians see a rise in their health care premiums, which makes it even more important to find Affordable Health Insurance in Brentwood. The rate increases mainly affected small business health insurance policy holders and Individuals. The average rate increased between 3% to 17%, depending on the insurance carriers. - [Short Term Health Insurance a way to find affordable health insurance in Brentwood?](https://solidhealthinsurance.com/short-term-health-insurance-a-way-to-find-affordable-health-insurance-in-brentwood/) - Short Term Health Insurance can be a good way to have affordable health insurance in Brentwood. There are times when a short term health insurance might be more suitable than a regular health insurance. Circumstances such as being between work or getting a new job with a company that offers health insurance after a waiting - [Shopping for affordable health insurance in Santa Monica](https://solidhealthinsurance.com/shopping-for-affordable-health-insurance-in-santa-monica/) - Shopping for affordable health insurance in Santa Monica requires research. Here are some good tips to make the research easier. - [Brand Prescription Drug Coverage - one important tool to have affordable health insurance in Santa Monica](https://solidhealthinsurance.com/brand-prescription-drug-coverage-one-important-tool-to-have-affordable-health-insurance-in-santa-monica/) - [gplus count="true" href="https://solidhealthinsurance.com/blog/brand-prescription-drug-coverage-one-important-tool-to-have-affordable-health-insurance-in-santa-monica" size="Medium" ]Brand Prescription Drug Coverage should be part of everyone's affordable health insurance coverage in Santa Monica, so that you are prepared for the unexpected. Cancer Medication are expensive. The most recent New York Times article describes the cost of life prolonging cancer medication. "For example, Provenge costs $93,000 for a course - [Does the Small Group Tax Credit help to find affordable health insurance in Brentwood?](https://solidhealthinsurance.com/does-the-small-group-tax-credit-help-to-find-affordable-health-insurance-in-brentwood/) - [gplus count="true" href="https://solidhealthinsurance.com/blog/does-the-small-group-tax-credit-help-to-find-affordable-health-insurance-in-brentwood" size="Medium" ]With the health care reform the IRS granted small business owners the possibility to receive a tax credit for providing affordable health insurance in Brentwood and nationwide. From 2010 until 2014 when the 50 % tax credit level kicks in, employers with 10 or fewer employees and an average wage of - [Writing Appeals are one way to have affordable health insurance in Brentwood](https://solidhealthinsurance.com/writing-appeals-are-one-way-to-have-affordable-health-insurance-in-brentwood/) - [gplus count="true" href="https://solidhealthinsurance.com/blog/writing-appeals-are-one-way-to-have-affordable-health-insurance-in-brentwood" size="Medium" ]A recent Government Accountability office report found out that writing an appeal is a successful tool to get your claims paid and with that have affordable health insurance in Brentwood. The report advised that more claims problems are caused due to billing and eligibility issues than from disagreements over if the - [Turning 65 - how to find affordable health insurance in Santa Monica](https://solidhealthinsurance.com/turning-65-how-to-find-affordable-health-insurance-in-santa-monica/) - [gplus count="true" href="https://solidhealthinsurance.com/blog/turning-65-how-to-find-affordable-health-insurance-in-santa-monica" size="Medium" ]When you are turning 65 years old there are many ways to find affordable health insurance in Santa Monica. The most important step is to collect all the information needed, to avoid penalties and make a wise decision which fits your personal and financial health care needs. A very valuable resource - [Why health insurance rates are rising and ways to find affordable health insurance in Brentwood](https://solidhealthinsurance.com/why-health-insurance-rates-are-rising-and-ways-to-find-affordable-health-insurance-in-brentwood/) - [gplus count="true" href="https://solidhealthinsurance.com/blog/why-health-insurance-rates-are-rising-and-ways-to-find-affordable-health-insurance-in-brentwood" size="Medium" ]There are 3 significant factors as why health insurance rates are rising and some ways to still find affordable health insurance in Brentwood. 1) Higher Treatment costs: * The latest in medical technology may lead to improved care, but its contribution to heath care spending growth ranges from 38% to 65%. - [Anthem's Good News for Small Business trying to find affordable health insurance in Santa Monica](https://solidhealthinsurance.com/anthems-good-news-for-small-business-trying-to-find-affordable-health-insurance-in-santa-monica/) - [gplus count="true" href="https://solidhealthinsurance.com/blog/anthems-good-news-for-small-business-trying-to-find-affordable-health-insurance-in-santa-monica" size="Medium" ]Anthem's announcement to cut their quarterly small rate increase in half on the popular PPO Solution plans are welcome news for any small business trying to find affordable health insurance in Santa Monica. The increases affect nearly 18,000 members and go into effect July 1, adding that the quarterly increase will - [Father's day - how well do men take care of their health and have affordable health insurance in West Los Angeles](https://solidhealthinsurance.com/fathers-day-how-well-do-men-take-care-of-their-health-and-have-affordable-health-insurance-in-west-los-angeles/) - [gplus count="true" href="https://solidhealthinsurance.com/blog/fathers-day-how-well-do-men-take-care-of-their-health-and-have-affordable-health-insurance-in-west-los-angeles" size="Medium" ]Almost 70 % of men find it easier to care for their car than for their personal health, according to a recent survey from Men's Health Network, so looking for affordable health insurance in West Los Angeles is put on the back burner. The study found that men are more likely to - [Affordable Health Insurance in West Los Angeles - how healthy is living in Los Angeles?](https://solidhealthinsurance.com/affordable-health-insurance-in-west-los-angeles-how-healthy-is-living-in-los-angeles/) - [gplus count="true" href="https://solidhealthinsurance.com/blog/affordable-health-insurance-in-west-los-angeles-how-healthy-is-living-in-los-angeles" size="Medium" ]Accordingly to the recently published 2010 America's Health Ranking by United Health Foundation, we, Angelenos, are living in the 26th healthiest state and these local factors will influence to find affordable health insurance in West Los Angeles. Looking at the overall performance in California and in detail in Los Angeles, are - [Implementing Wellness Programs can be one alternative to find affordable health insurance in Santa Monica](https://solidhealthinsurance.com/implementing-wellness-programs-can-be-one-alternative-to-find-affordable-health-insurance-in-santa-monica/) - [gplus count="true" href="https://solidhealthinsurance.com/blog/implementing-wellness-programs-can-be-one-alternative-to-find-affordable-health-insurance-in-santa-monica" size="Medium" ]Approximately 70 % of all healthcare costs are due to lifestyle choices, by selecting the right life style choices, one can actually find more affordable health insurance in Santa Monica. The innovative insurance carrier SeeChange Health offers incentives such as enhanced benefits that offer lower coinsurance, reduced out of pocket maximums, - [Transparency in health care cost is one way to find affordable health insurance in Brentwood](https://solidhealthinsurance.com/transparency-in-health-care-cost-is-one-way-to-find-affordable-health-insurance-in-brentwood/) - We need more transparency in health care cost, which will result to finding better affordable health insurance in Brentwood. Anyone who has received in the recent years a hospital bills, has the same reaction, why is this health care bill so high and why is there so much room for negotiation. Most of the time - [California RX Card - will help to find affordable health insurance in Pacific Palisades](https://solidhealthinsurance.com/california-rx-card-will-help-to-find-affordable-health-insurance-in-pacific-palisades/) - Whenever I see a good way to to save money and find affordable health insurance tips in Pacific Palisades, I like to share the ideas with my clients and blog fans. The California RX card, which is available for resident in California and allows access to a statewide Prescription Assistance Program (PAP). Create and print your - [Blue Shield Announcement to Cut Rates will help to find affordable Health Insurance in Santa Monica](https://solidhealthinsurance.com/blue-shield-announcement-to-cut-rates-will-help-to-find-affordable-health-insurance-in-santa-monica/) - Blue Shield's announcement to plan to cut heir health insurance rate about 10 % in the CA market is a welcome news to anyone who is looking for affordable health insurance in Santa Monica. The rate reduction will be applied in the month of October, resulting in $ 167 million in savings for nearly 2 - [PCIP Enrollment made easier to find affordable health insurance in Santa Monica](https://solidhealthinsurance.com/pcip-enrollment-made-easier-to-find-affordable-health-insurance-in-santa-monica/) - Starting July 1st the PCIP, Pre-existing Conditon insurance Plan, enrollment will be made easier and in some states the rates will be decreasing so that we possible find affordable health insurance in Santa Monica for clients with Pre-Existing Conditions. The requirement that you are a lawful US- Citizen or US Residents and that you have - [New Food Plate could influence to find affordable health insurance in Santa Monica](https://solidhealthinsurance.com/new-food-plate-could-influence-to-find-affordable-health-insurance-in-santa-monica/) - You might be wondering why the new food plate could influence finding afforable health insurance in Santa Monica. In the United States we are dealing with an epedemic childhood obesity. One of every three Americans is obese. Obesity leads to chronic illnesses such as diabetic, high blood pressure, coronary heart disease, osteoperosis and even some cancer. Chronic - [One step closer to Affordable Health Insurance in Brentwood](https://solidhealthinsurance.com/one-step-closer-to-affordable-health-insurance-in-brentwood/) - Good News, with the state Assembly approving Ab 52, we are gotten today one step closer to having affordable health insurance in Brentwood. The Bill, AB52, requires health insurers to get approval from state regulators to raise insurance premiums. The state's elected insurance commissoner and a second regulator, the Department of Managed Care, under Gov. - [Health Insurance in Brentwood -here is a quick up date about the planned Health Insurance Echange](https://solidhealthinsurance.com/health-insurance-in-brentwood-here-is-a-quick-up-date-about-the-planned-health-insurance-echange/) - Health Insurance in Brentwood will change in 2014 with implementing the Health Insurance Exchange Program. We, the Health Insurance Agent will still be able to help you choose the suitable plan, and we expect that the exchange will create a more competitive market and with more transparency. Health Insurance Exchange The most anticipated element of - [Tired of paying high cobra premium find Affordable Health Insurance in Brentwood](https://solidhealthinsurance.com/tired-of-paying-high-cobra-premium-find-affordable-health-insurance-in-brentwood/) - For many Cobra subscribers the 65 % government subsidy which was given from September 1 2008 until May 31 2010 is running out, and they need to find affordable health insurance options in Brentwood. Depending on your health status they are many good options in the individual insurance industry . You will be surprised to - [Finding Affordable Health Insurance in Santa Monica while Insurance Executives Make Millions in Salary](https://solidhealthinsurance.com/finding-affordable-health-insurance-in-santa-monica-while-insurance-executives-make-millions-in-salary/) - Finding affordable health insurance in Santa Monica can be often a difficult task . Frustration comes to my mind, when reading today's LA Times article "Blue Shield CEO earns $ 4.6 million" , while the middle class can hardly pay for their health insurance. How can a CEO of Blue Shield earn $4.6 Mio salary - [Why are we procrastinating to find affordable Health Insurance in Santa Monica](https://solidhealthinsurance.com/why-are-we-procrastinating-to-find-affordable-health-insurance-in-santa-monica/) - I am amazed how often I experience clients procrastinating on making the final decision to find affordable health insurance in Santa Monica. Almost daily I have perspective clients calling complaining about their cost of their health insurance. After reviewing their plans, we often see that the client is on an old health plan and has - [Finding Affordable Health Insurance in Brentwood while filing for your divorce](https://solidhealthinsurance.com/finding-affordable-health-insurance-in-brentwood-while-filing-for-your-divorce/) - You don't have to be Arnold Schwarzenegger, but a divorce in Brentwood is quite common. There are so many issues to deal with during the divorce process and finding affordable health insurance in Brentwood is one of the issues you have to tackle. Don't despair your health insurance agent can help you. In Brentwood many - [Graduates - tips how to find affordable health insurance in Santa Monica](https://solidhealthinsurance.com/graduates-tips-how-to-find-affordable-health-insurance-in-santa-monica/) - If you graduating this year, there are more than one alternative to find affordable health insurance in Santa Monica. One of the advantages of the health care reform is that you can continue staying on the health insurance plan from your parents until you turn 26 years old. This makes sense if your parents employee - [A Win-Win Way to find affordable Healthinsurance in Santa Monica for Small Businesses](https://solidhealthinsurance.com/a-win-win-way-to-find-affordable-healthinsurance-in-santa-monica-for-small-businesses/) - Finding affordable Health Insurance for small businesses in Santa Monica is not easy, but did you know when combining workers compensation from Employers with your Health Insurance from Anthem you can save 10 % for both insurance policies? We have many small business in Santa Monica. Many of these business do not have employees but - [Affordable Health Insurance is hard to find in Brentwood, West Los Angeles](https://solidhealthinsurance.com/affordable-health-insurance-is-hard-to-find-in-brentwood-west-los-angeles/) - This weekend I just exhibited at a school fair in West Los Angeles, and there where so many young families who expressed their great frustration with finding affordable health insurance for their young families in Brentwood, West Los Angeles. Many of these young families just gave up and are paying their high premium. But at - [How much is Health Insurance going to cost me in Santa Monica ?](https://solidhealthinsurance.com/how-much-is-health-insurance-going-to-cost-me-in-santa-monica/) - We all have experienced a steady increase in health insurance cost, you might just have opened your Anthem Blue Cross rate increase letter, but did you know that your health insurance in Santa Monica is most likely double so high as in Midwestern States. So are we experiencing in Santa Monica double as good of - [Medicare Changes are necessary Now !](https://solidhealthinsurance.com/medicare-changes-are-necessary-now/) - We all are reading the news that changes in Medicare are necessary. Looking at the fact it is devastating for anyone born between the age of 45 and 55, or younger. The health costs of the seniors has skyrocketed from $111 billion in 1990 to $ 509 billion in 2009. With the number of Americans - [Hospital Bills in Los Angeles are inflated and not transparent - even an Insurance Agent can't give you exact the cost](https://solidhealthinsurance.com/hospital-bills-in-los-angeles-are-inflated-and-not-transparent-even-an-insurance-agent-cant-give-you-exact-the-cost/) - Anyone who has had in the last couple of years an outpatient surgery in Los Angeles with hospitals such as Cedar Sinai, UCLA, Saint John's must have had the same experience, Hospital charges in Los Angeles are inflated and outrageous! When I, a health insurance agent myself, had an outpatient 30 minute procedure, I called - [One Year Anniversary of Health Care Reform - How did it effect Californians](https://solidhealthinsurance.com/one-year-anniversary-of-health-care-reform-how-did-it-effect-californians/) - Today we mark the Anniversary of the Health Care Reform. One year ago today, President Obama marked a major milestone by signing the Patient Protection and Affordable Care Act. From that moment, health reform became a reality for Californians. Depending on their coverage, many Californians are now receiving: * Extended dependent coverage up to age - [Long Term Care why you should consider it living in California](https://solidhealthinsurance.com/long-term-care-why-you-should-consider-it-living-in-california/) - Advances are being in medicine and people are living longer than ever before. This longer life expectancy increases the likelihood that long-term care will be required. Today, more than ever, Long Term Care Insurance is a key component of any financial plan. Accordingly to the U.S. Department of Health and Human Services 70 % of - [Spring - The Time for Renewal](https://solidhealthinsurance.com/spring-the-time-for-renewal/) - While Winter was a time to conserve your energy and reduce activity, Spring is a time of regeneration, new beginnings, and a renewal of your spirit. Spring is the ideal time for cleansing and rejuvenation for your overall health and well-being. In Chinese Medicine, spring is represented by the wood "element", which in turn is - [Medical Malpractice Insurance Rates are on hold](https://solidhealthinsurance.com/medical-malpractice-insurance-rates-are-on-hold/) - Medical Malpractice Insurance rate are on hold, as insurance commissioner Jones requested a review of the new rates. In a statement published this week, Jones said, that "unlike health insurance where I do not have the authority to reject excessive rates, the Insurance Commissioner does have the authority to regulate the rates of medical malpractice - [Google Health - Product Overview](https://solidhealthinsurance.com/google-health-product-overview/) - [The Sandwich Generation](https://solidhealthinsurance.com/the-sandwich-generation/) - [BlUE SHIELD REJECTS COMMISSIONER JONES REQUEST TO DELAY RATES](https://solidhealthinsurance.com/blue-shield-rejects-commissioner-jones-request-to-delay-rates/) - Read this article - Blue Shield's behavior is unbelievable! Blue Shield of California defies state insurance commissioner over rate hikes The Los Angeles Times Defying California’s new insurance commissioner, Blue Shield of California has refused to delay controversial health insurance rate hikes for 60 days that prompted an uproar among customers who are seeing successive - ["Child Only Health Insurance Policy "big disappointment in CA](https://solidhealthinsurance.com/child-only-health-insurance-policy-big-disappointment-in-ca/) - After Blue Shield rate increase disaster, now the "child only health insurance policies" are another disaster for California residents. In the last quarter of 2010 with the exception of Blue Shield no insurance carrier offered anymore child only policies for children under 19 years, due to the fact that accordingly to the healthcare reform they - [BLUE SHIELD RATE INCREASE DELAYED BY INSURANCE COMMISSIONER JONES](https://solidhealthinsurance.com/blue-shield-rate-increase-delayed-by-insurance-commissioner-jones/) - CA insurance commissioner Jones is requesting Blue Shield to hold off on rate increase for the planned increases of January and March increases. Please read this article, which has been published by the insurance commissioner Jones. http://www.insurance.ca.gov/0400-news/0100-press-releases/2011/release002-11.cfm I hope this will happen as some of my client have increase of 59 % for the Vital - [What is Medical Loss Ratio, and how does it hurt your agent in 2011.](https://solidhealthinsurance.com/what-is-medical-loss-ratio-and-how-does-it-hurt-your-agent-in-2011/) - The "Medical Loss Ratio" is the amount that an insurance company pays for claims divided by the premiums that people paid for insurance . A claim is a bill for medical items or services. For example, if an insurance company pays an average of 80 cents in claims for every dollar it collects in premiums, - [Health Insurance Affordability - What effect will the Gender Neutral rating have in California](https://solidhealthinsurance.com/health-insurance-affordability-what-effect-will-the-gender-neutral-rating-have-in-california/) - Gender used to be a factor in determining accurate pricing in the California individual health insurance market. Starting January 2011 accordingly to AB119 the gender rating will be eliminated for any health plan contract, and there are only gender neutral rates offered. On maternity plans, which are very rare to find in the CA individual - [Brentwood Health Insurance Agent reports about insurance fines](https://solidhealthinsurance.com/brentwood-health-insurance-agent-reports-about-insurance-fines/) - Calif. regulator fines insurers for underpayment Anthem Blue Cross and Blue Shield of California each have agreed to pay $900,000 fines. United/Pacificare is being fined $800,000; HealthNet and Kaiser Foundation Health Plan are being fined $750,000 each. Cigna is being fined $450,000; and Aetna is being fined $300,000. Accordingly to Bloomberg Reports "California's seven largest - [Brentwood Health Insurance Agent wants to raise awareness for women to consider Long Term Care Insurance](https://solidhealthinsurance.com/brentwood-health-insurance-agent-wants-to-raise-awareness-for-women-to-consider-long-term-care-insurance/) - Why is it so important to raise awareness about long-term care? Because it is an issue that touches so many aspects of our lives. Women, especially, bear the burden of long-term care costs for three reasons: women live longer than men; they require care longer, and because women more often assume the responsibility for their - [November is Lung Cancer Awareness Month - Brentwood Health Insurance Agent alert stop smoking](https://solidhealthinsurance.com/november-is-lung-cancer-awareness-month-brentwood-health-insurance-agent-alert-stop-smoking/) - Lung cancer is the leading cause of cancer deaths in both men and women. Smoking causes 80 to 90 percent of cases of lung cancer. Don’t smoke, and avoid secondhand smoke. Each year, nearly 200,000 people in the United States are told they have lung cancer and more than 90,000 people die from this disease. - [Santa Monica Insurance Agent hopes that Anthem learns out of their mistake in 2010](https://solidhealthinsurance.com/santa-monica-insurance-agent-hopes-that-anthem-learns-out-of-their-mistake-in-2010/) - Anthem rate increase has not only hurt their reputation and made millions of clients, non-clients including the CA Insurance Commissioner very angry. Finally the rate increases have been approved for October 1st. (a 6 month delay). To be compliant to the healthcare reform Anthem decided to switch all new enrollments after 9/23/2010 to the new - [Brentwood Agent will help you to find the right plan for your Medicare Needs](https://solidhealthinsurance.com/brentwood-agent-will-help-you-to-find-the-right-plan-for-your-medicare-needs/) - The AEP ( Annual Enrollment Period ) will start November 15th and Ends December 31st. In this time period Seniors are able to to review and switch from their current medicare plan , into a new Medicare Advantage or Supplemental Plan, or Drug Prescription Plan. Understanding all the choices can be very confusing. Let me - [West Los Angeles Health Insurance Agent suggest to review your Health Insurance](https://solidhealthinsurance.com/west-los-angeles-health-insurance-agent-suggest-to-review-your-health-insurance/) - With all the changes in the Health Insurance Industry there has been never a more important time than now to review with me, your agent in West Los Angeles, your current health insurance. What is your yearly deductible and out-of-pocket maximum, which will renew in January? Does it make sense for you to move into - [Brentwood Insurance Agent inform of Estate Tax Law changes in 2011. - Death and Taxes: 2011 Estate Tax Laws](https://solidhealthinsurance.com/brentwood-insurance-agent-inform-of-estate-tax-law-changes-in-2011-death-and-taxes-2011-estate-tax-laws/) - Brentwood one of the most beloved areas on the Westside of Los Angeles, will be hard hit with the 2011 Estate Tax Laws. Many of us own home in the 1Mio- 2 Mio range and have 401k savings and other investments. Read this interesting article and see your possible tax implications. Senior Market Sales, Inc. - [What does "grandfathered status" in the health care reform law mean?](https://solidhealthinsurance.com/what-does-grandfathered-status-in-the-health-care-reform-law-mean/) - Wondering what "grandfather" or "grandfathered plan " means in the health care reform law. If an employer keeps the same coverage it had on March 23, 2010 – the date the law took effect – the plan may be considered a “grandfathered” plan. This means the plan may be exempt from some of the requirements - [September 23 - Big Changes in the Health Insurance Industry](https://solidhealthinsurance.com/september-23-big-changes-in-the-health-insurance-industry/) - September 23 was crucial because that’s when the biggest changes (so far) took effect in the Patient Protection and Affordable Care Act (PPACA). Here’s a summary from the government’s website on healthcare reform. After September 23, 2010 on any new group insurance plans, insurer’s can’t: * Deny coverage to kids with pre-existing conditions * Put - [Preexisting Condition Insurance Plan in California (PCIP)](https://solidhealthinsurance.com/preexisting-condition-insurance-plan-in-california-pcip/) - Effective September will be a new "Preexisting condition insurance Plan' (PCIP) in California available. It is for Individuals, who are legal citizen or legal resident alien, who were denied by private insurance carrier due to pre existing condition and are without health coverage at least 6 months. People who are on Cobra or MRMIP or - [The Seven Wonders of Life Insurance](https://solidhealthinsurance.com/the-seven-wonders-of-life-insurance/) - Many young people avoid the topic of life insurance, as the topic of death is making everyone uncomfortable and it is far away. We all hope to live a long life but statistically some of us won't have the opportunity. Each year, roughly 465,000 Americans will die prematurely leaving behind loved ones who will have - [7 Tips for a Smooth & Healthy Transition 'Back to School"](https://solidhealthinsurance.com/7-tips-for-a-smooth-healthy-transition-back-to-school/) - Back to school can be a time of mixed feeling. Happy for getting back to a routine for your family, sad as time just flew by and you can't believe that Summer is almost over. Now it is time for parents and children alike to start preparing for a new adventure and reduce the pressures - [Can excessive Hospital Charges have anything to do with excessive building cost of Hospitals in California?](https://solidhealthinsurance.com/can-excessive-hospital-charges-have-anything-to-do-with-excessive-building-cost-of-hospitals-in-california/) - The Ronal Reagan UCLA Hospital has cost over 1 Billion US-Dollar to built, this is a building for 525 beds. If you do the math each bed cost $ 1.904,762 Million Dollar. How come that no one is questioning the cost! Maybe now it makes more sense why a 2 hour outpatient hospital procedure can - [CA implements Web Portal to assist Individual & Small business to identify insurance options](https://solidhealthinsurance.com/ca-implements-web-portal-to-assist-individual-small-business-to-identify-insurance-options/) - Fact Sheet on Establishing the Web Portal The Affordable Care Act establishes an internet portal to help individuals and small businesses identify insurance options in their state. The web portal will help consumers navigate their options in the individual and small business private market and help them determine if they may be eligible - [Allianz Study examines babyboomers preparation for retirement](https://solidhealthinsurance.com/allianz-study-examines-babyboomers-preparation-for-retirement/) - Reclaiming the Future At 76 million strong, the “baby boom” generation represents the largest, wealthiest, and most influential segment of the U.S. population. Yet, this “power generation” will face one of the most pronounced retirement income challenges in history. The Allianz Reclaiming the Future Study was conceived to be one of the most comprehensive examination - [Whopping cough (Pertuussis) is now an epidemic in California since 50 years](https://solidhealthinsurance.com/whopping-cough-pertuussis-is-now-an-epidemic-in-california-since-50-years/) - Dr. Mark Horton, director of the California Department of Public Health (CDPH) is urging Californians to get vaccinated now.He warned that the state is on pace to suffer the most illnesses and deaths due to pertussis, also known as whooping cough, in 50 years. “Whooping cough is now an epidemic in California,” Horton said. “Children - [How Much Money Does The United States Spend on Health Care?](https://solidhealthinsurance.com/how-much-money-does-the-united-states-spend-on-health-care/) - Health care cost predictions are doubling in the next 10 years. According to the Centers for Medicare and Medicaid Services Office of the Actuary, spending on health care reached $2.2 trillion in 2007. National health care spending has been predicted to reach $2.6 trillion by 2010 and could exceed $4 trillion by 2018. Health care - [Do You Know Where Your Health Insurance Premium Goes?](https://solidhealthinsurance.com/do-you-know-where-your-health-insurance-premium-goes/) - Every months you spending money on your health insurance. Here is a quick overview where your money goes and how much the profit of health insurance is. On average, 87 cents of every premium dollar you pay is spent covering medical care and services that members receive like doctor visits, hospital costs, prescription drugs - [Health Insurance Agent in Los Angeles Explains Impact of New Health Care Program](https://solidhealthinsurance.com/hello-world-2/) - The Health Care Plan is in place and while there are many regulations yet to be written, there are certain things that we do know for sure about the future of group and individual health insurance packages. ## Pages - [Home 2021](https://solidhealthinsurance.com/) - Call 310-909-6135 for #1 health insurance agent for affordable plans for small businesses and individuals in San Diego, Los Angeles, Santa Barbara, Santa Monica, CA. - [Health Saving Account](https://solidhealthinsurance.com/health-saving-account/) - They are tax-advantaged accounts that individuals with an HSA-compatible high deductible health plan (HDHP) can fund and use to pay for medical expenses. - [Healthcare Exchange](https://solidhealthinsurance.com/healthcare-exchange/) - With Solid Health Insurance's Healthcare Exchange in California, you can get covered with affordable health to fulfill your health insurance needs. - [Videos](https://solidhealthinsurance.com/videos/) - Videos relating to insurance in California - [Privacy Policy](https://solidhealthinsurance.com/privacy-policy/) - Solid Health Insurance Agency, is committed to keeping any and all personal information collected of those individuals that visit our website and make use of our on-line facilities and services accurate, confidential, secure and private. Our privacy policy has been designed and created to ensure those affiliated withSolid Health Insurance Agency of our commitment and realization of our obligation to meet most existing privacy standards. - [Contact Us](https://solidhealthinsurance.com/contact-us/) - Contact Barbara for the best insurance quotes - [Solid Health Insurance Services](https://solidhealthinsurance.com/home-2019/) - Find affordable health insurance, life insurance and long term care insurance, which best fits your individual, family and small business needs! - [Federal Subsidy 2023](https://solidhealthinsurance.com/federal-subsidy/) - Depending on your income, your age, the size of your household and where you live many Americans might qualify for subsidies in form from a tax credit or direct governmental payments towards the health insurance - [Group Census](https://solidhealthinsurance.com/group-census/) - [et_pb_section fb_built=”1″ _builder_version=”4.14.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.14.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.14.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.14.5″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″] Group Census Form [/et_pb_text][et_pb_code _builder_version=”4.14.5″ _module_preset=”default” global_colors_info=”{}”]Company NameContact Person DetailsPrefixMr.Mrs.Ms.Mx.MissDr.Prof.First Name *Last Name *Street Address *City *State/Province *ZIP / Postal Code *Email Address *Phone Number *Proposed Effective Date:Current Carrier *Current Renewal Date:Company Structure: *Company Structure:Sole ProprietorCorporation LLCPartnershipOtherOther Company StructureType - [Yelp Reviews](https://solidhealthinsurance.com/about/yelp-reviews/) - Barbara's passion is to give her clients a “solid and affordable” insurance plan. Barbara examines your current insurance package. - [Testimonials](https://solidhealthinsurance.com/about/testimonials/) - Barbara's passion is to give her clients a “solid and affordable” insurance plan. Barbara examines your current insurance package. - [Special Enrollment Period](https://solidhealthinsurance.com/triggering-events-allowing-a-special-enrollment-period-pdf/) - Californians who want to enroll in or make changes to their health insurance plan outside of the Open Enrollment Period, they must have a qualifying life event. - [Preparing for the Health Test for Life Insurance](https://solidhealthinsurance.com/preparing-for-the-health-test-for-life-insurance/) - A health practitioner will schedule to come to your home or to your work, whatever location you would prefer. - [Group Health Insurance](https://solidhealthinsurance.com/group-health-insurance/) - Finding affordable health insurance, which offers good coverage for your employee, your business partner, yourself and family should be your main focus. - [Guide to Long Term Insurance](https://solidhealthinsurance.com/guide-to-long-term-insurance/) - Advances are being made in medicine, and people live longer than ever before. Longer life expectancy increases likelihood that long-term care will be required. - [Guide to Buying Life Insurance](https://solidhealthinsurance.com/guide-to-buying-life-insurance/) - Traditionally, the need for financial security has been triggered by major life events; when providing for your loved ones becomes more critical. - [About](https://solidhealthinsurance.com/about/) - Barbara's passion is to give her clients a “solid and affordable” insurance plan. Barbara examines your current insurance package. - [Sitemap](https://solidhealthinsurance.com/sitemap/) - Pages: HomeAboutTestimonialsReviewsVideosOur TeamBlogsContact us - [Health Insurance Penalty](https://solidhealthinsurance.com/health-insurance-penalty/) - Before you get a penalty for not having health insurance in California, get the best health cover with Solid Health Insurance. - [Oscar Health Insurance Plans](https://solidhealthinsurance.com/oscar-health-insurance-plans/) - We provide urgent care and doctors with Oscar Health Insurance Plans in Los Angeles, California, and Nearby locations. 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[/et_pb_code][et_pb_code _builder_version=”4.2.2″ hover_enabled=”0″] [/et_pb_code][et_pb_text _builder_version=”4.0.9″] What to Expect: Email Confirmation – Usually received within 24 hours (business hours 9am-5pm Monday-Friday) of completed application with plan, rate, and effective date. 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