Videos
Getting a divorce – how will it impact your health and life insurance?
Getting a divorce brings a new type of change to your everyday life. For some people this change is wanted, yet for others, it is unexpected and heartbreaking. For all of us though, it is a change, requiring one to revisit all aspects of one’s financial planning and...
You lost your work with health insurance, what are your options to obtain health insurance?
When one loses their job with health insurance, next to finding a new job, an important aspect to consider is how to find suitable health insurance for you and your family. With the Implementation of the Affordable Care Act and the mandate of carrying health insurance...
Confused about 1095 forms and the implications for filing 2015 taxes
Many Californians might be confused about 1095 forms and how they are to be used for filing their 2015 taxes. Californians who applied for health insurance through Covered California or Federal Market Exchange in 2015 should have received, at the beginning of...
Why choose a health insurance broker instead of going straight to the insurance carrier?
With the implementation of the Affordable Care Act and the many more choices available, consumers asking themselves whether they should choose to go directly to an insurance carrier, go to the state exchange Covered California site, or instead go to an insurance...
How can I obtain Health Insurance during the Special Enrollment Period in 2016?
The 2016 Open Enrollment period for obtaining health insurance ended January 31, 2016. We are now in the Special Enrollment Period,wherein no changes can be made to your health insurance contract until the next Open Enrollment Period begins, which will be from...
Watch out for your 1095-A form so that you accurately file your 2015 taxes in 2016
Californians who applied for health insurance through Covered California in 2015 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...
Proposed Regulations on 2017 Benefit and Payment Parameters
On November 20, the Department of Health and Human Services (HHS) issued proposed regulations that address a wide range of Affordable Care Act (ACA) benefit provisions that will be effective for 2017 plan years. Published each fall, these rules will be finalized in...
My Experience with Oscar Health Insurance in Los Angeles so far
As an insurance agent I am always eager to learn about new health insurance options, such as California's 2016 Oscar Health Insurance for 2016 in California and Covered California. I make a point in trying each of the systems myself so I can share my experiences...
What is the tax penalty for not carrying health insurance in 2016?
The open enrollment to apply for health insurance ends Janaury 31st 2016, there are still some Californians who decides not to carry health insurance . Here are is an overview of the tax penalty for 2016 . What happened if I do not pay health insurance in 2016? ●...
When Should I Choose to Pay The Penalty?
Usually it’s safer to just get health insurance, rather than risking ending up having to pay doctors and hospitals thousands (or hundreds of thousands) of dollars. However, there is a case that is an exception to this rule. You might want to consider differently if...