Videos
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...
Special Enrollment Period for Small Businesses seeking health insurance for 2016
A very low-key  Special Enrollment Period for small businesses seeking group health insurance in 2016 ends on Monday, December 15th, 2015 in California . During this brief time period , from November 15th to December 15 2015, Small businesses who are seeking health...
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...
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...
How Do I Pick A Health Insurance Plan?
Picking a health insurance plan can be a tough choice. Start by writing down the main features of the plans you are considering, and compare them with each other. Be sure to write down any questions you have regarding the plans, and look information up along the way....