Understanding California's Open Enrollment Under Obamacare
Thanks to the Affordable Care Act plan, which goes more commonly by Obamacare, millions of eligible Americans have the opportunity to shop for health insurance through the Health Insurance Marketplace. During a period known as Open Enrollment, those who are eligible have access to affordable health coverage for both themselves and qualifying family members. In the state of California, Open Enrollment begins on November 1, 2020, and carries on until January 31, 2021. For help finding a plan for either your family or your business, you can contact the agents at Sackett and Associates Insurance Services, a health insurance broker Santa Rosa residents are familiar with.
Affordable Health Insurance From Covered California
With the Affordable Care Act's fate hanging in the balance, California makes a convincing case for its continuation. Covered California, the state's online insurance exchange, has announced premium increases of only 0.6 percent, a record low for the second year in a row. These favorable rates will likely raise enrollments in Santa Rosa and throughout the state during the 2021 plan year. A health insurance broker in Santa Rosa, can help guide your plan choice through the exchange or privately. Either way, individuals throughout the state of California can count on affordable health insurance.
Desired Health Care Differs for Republicans and Democrats
Health care is notorious for being politicized, and election season turns up the heat on issues that affect the insured and the uninsured alike. While many citizens advocate for a more universal health care system, others feel strongly that a single-payer system, or one that further meshes health care with the government, would only increase the chaos and they would like health care to be further privatized. This year’s candidates have very different plans for health care as the country moves forward into 2021.
3 Important Facts About Open Enrollment in California
You may have frequently heard the words “open enrollment” as the new insurance period approaches, but you are unsure of what the term means and you are confused about which health insurance broker could help you get the coverage you need. Open enrollment in California starts on November 1, 2020, and ends on January 31, 2021. During this time, you will have the opportunity to enroll yourself, your spouse, and your dependents in a new health plan. Here are a few things you should consider while you are doing your research.
1. Pay Attention to Deductibles and Premiums
Should you select a high deductible, low premium plan or the opposite? What is a deductible, anyway? When you choose a new health insurance plan, the deductible is what you pay before your insurance “kicks in”. If your deductible is $2,000, for example, you will need to pay that much money before your health insurance starts applying heftier benefits to your account (you will usually get some free benefits like preventive care before you meet your deductible).
Usually, when you select a plan with a high deductible, your premium — the amount you pay into the plan every month — will be lower. Low premium, high deductible plans are ideal for those with no preexisting health conditions: They are designed to render the client responsible for most costs of their healthcare. High premium, low deductible plans may be preferred by those who want to meet their deductible quickly, but these plans can be hard on the monthly budget.
2. Investigate Covered California Plans
Many Californians may not be aware of this online marketplace that connects citizens to health insurance under the Affordable Care Act. These plans are different than Medicare and Medicaid and they are available to those who do not receive health insurance automatically through their place of employment. At Sackett & Associates, we can help you comb through these plans to make sure you are getting the benefits you desire and the coverage your family needs. We can also help you determine if there is additional coverage (like dental or vision) that you might need beyond the plan you select.
3. Consider Whether You Need an HSA
A Health Savings Account can be a wonderful way to set aside money specifically for medical bills and appointments — but before you choose a plan linked to an HSA, make sure you truly need this account. If you only have a few medical appointments a year, and if these visits mostly involve preventive care like checkups and minor health issues like sinus infections and sprained wrists, an HSA might be more of a drain on your finances than necessary. Most HSAs expire at the end of the year, so all that money taken out of your paycheck before taxes will not be used if you do not spend it on medical needs.
Don’t delay: Open enrollment is coming soon. Get in touch with Sackett & Associates as soon as possible for more information on how to choose the best health insurance plan for yourself and your loved ones.
Improving Nationwide Health Through Herd Immunity
People around the world are still contracting the coronavirus, with much more concerned about potential infection. Research experts are in the development phases of a vaccine, but there are still no guarantees of when such a product will be released to the public. The expert advice of a health insurance broker Santa Rosa suggests a quality healthcare plan to help with costs of medical attention should you contract the virus, but there are ways to reduce the potential for infection. Herd immunity has become the focus of many public health experts and politicians as communities struggle to slow the spread.
Still Working at 65? You Can Enroll in Medicare
You may still be working, whether by choice or as a matter of necessity when you become eligible for Medicare at age 65. Depending on your situation, you may have different options available from a health insurance broker Santa Rosa when it comes to Medicare enrollment. You may be able to have both Medicare and your employer coverage at the same time, in which case one becomes the primary carrier and the other provides secondary coverage for expenses not eligible for the primary.
5 Ways To Maintain Your Health and Be Safe During COVID-19
COVID-19 has changed a lot about the way we live, so it is important to focus on how to stay healthy and safe throughout the pandemic. An active lifestyle is still possible and necessary to promote good mental health and a positive outlook. It is important to plan how you will incorporate regular routines and outings while assuring your safety.
Millions To Be Protected Against COVID-19 at No Cost
It is nearly seven months into the coronavirus crisis in the U.S. and, according to the CDC, almost 1.7 million citizens have contracted the disease. This is just the number of reported cases. It does not include those that do not seek medical care nor the potentially high count for people who contract the disease but are asymptomatic. Furthermore, those without health insurance are less likely to seek care. During these times, obtaining affordable insurance from a health insurance broker Santa Rosa is critical.
How Wildfire Smoke Affects the Air You Breathe
Wildfire smoke presents significant health hazards due to the deterioration of air quality. People do not have to be in a high-risk health category to be affected by unhealthy levels of particulate matter and other compounds generated by fires. A health insurance broker Santa Rosa understands the impacts that fires in Northern California have on an individual’s well-being. Here are some important questions to consider about wildfires and some important steps to help you stay safe.
Benefits for Part-Time Employees - What's the Deal?
Health insurance and other benefits form a key part of the compensation package most employers offer their workers. In some cases, providing insurance is required by law. However, many organizations employ at least some part-time team members. While you do not need to offer these employees the same benefits as full-time staff, you may want to consider doing so anyway.
Benefits of an Independent Health Insurance Broker
Trying to navigate the health insurance market on your own can be a nightmare, especially if this is your first venture into a private policy rather than typical employer-provided coverage. With so many plans and options, it may feel like you are comparing apples to oranges, which is why an independent health insurance broker can be such a valuable resource. Unlike an agent, who may only work with one insurance company, a broker is licensed at the state level and can be more knowledgeable about standards and benefits. Before you sign up for a new plan, consider these five reasons why you should work with a health insurance brokers in Santa Rosa.
Lowering Blood Pressure Naturally
High blood pressure can put you at risk for a range of health problems, the most serious of which include heart attack or stroke. There are medications that can lower blood pressure, but these can also cause unwanted side effects. Your doctor may recommend that you try to lower your blood pressure by changing your habits and lifestyle before prescribing medication. Here are some recommendations that doctors are likely to make.
What Is The Difference Between In-Network And Out-Of-Network Coverage?
When working with a health insurance broker, you may have questions about your network coverage when viewing potential PPO plans. In short, any care you receive in-network will be considerably cheaper than the care you receive out-of-network. Out-of-network physicians and healthcare facilities can be utilized, but it may be a wiser decision to consider your in-network options first.
Small Business Health Insurance Broker Can Help
Some business owners treat the benefits packages they provide as a set-it-and-forget-it system. However, what might seem like the best benefits to you might not meet the needs of your current employees or the top-performers you hope to attract. This is why it’s so important to make the absolute best of the open enrollment period. Your health insurance broker in Santa Rosa can help, but it’s important to understand a few things first.
Sun Safety Tips
When the sun is shining, most people want to spend time outdoors exercising, playing, or just relaxing. You may love how the sun feels on your skin, but deep down below the surface, your long-term health may be at risk. With exposure to UV rays as the number one cause of skin cancer, protecting yourself from the sun should be a top priority to keep safe. These five tips make sun safety a no-brainer and allow you to have fun without damaging your skin.
Whole Life Insurance Provides Certainty in Uncertain Times
To continue with Dickens, "It was the age of wisdom, it was the age of foolishness." Months or years from now, how will you describe the current situation? Will you think of the panic of pandemic, an age of anxiety? Or will you look back on it as a rare time you once had to slow down, reflect, and take stock of your life?
Small Business Health Insurance Renewal
Small business owners have a lot to think about and take care of. Even though you’re the owner of a business, that doesn’t mean you have all the answers. Have you spoken with your health insurance broker about insurance renewal? Your employees are counting on it and it’s not as hard as it may seem.
How Are Medicare Insurance Brokers Compensated?
Medicare provides state-sponsored health insurance plans through private companies to older individuals. Each year, millions of Americans across the country enroll in Medicare plans, but many don’t know their options. By working with a Medicare health insurance broker, which is free of charge, many individuals could find out about plans and coverage options they normally wouldn’t know about. Keep reading to learn more about brokers and how they are compensated when you work with them.
Economic Relief Available for Small Businesses
While many businesses and individuals have been impacted due to the required measures taken slow the progression of the COVID-19, small businesses are facing a unique set of struggles during this time. With many businesses being ordered to shut down and close their doors to the public, many companies are struggling to make significant revenue and continue providing employee benefits to their workforce. Fortunately, there are several programs in place at both a federal and state level to bring quick relief to applicants who qualify.
Medicare Health Insurance Broker Explains COVID-19 Coverage
Older adults are one of the groups most at risk from the coronavirus pandemic, according to the Centers for Disease Control, along with those who live in a long-term care facility or nursing home. Another group at higher risk includes those with underlying health conditions or suppressed immune systems. So, it’s understandable that many seniors have questions about coverage for treatment of the new virus, COVID-19. A Medicare health insurance broker can help you understand your benefits.
Find Post-Coronavirus Coverage With Health Insurance Broker
The U.S. economy will feel the effects of the coronavirus for the next several months and beyond, with many individuals already feeling the sting in their own wallets. If you are one of 47 million Americans who are expected to lose their jobs—or you have already lost it—you’re likely worried about losing your health insurance, too. There are still some options, however, for securing insurance to cover your family’s healthcare needs, and a health insurance broker can help you explore them.
Understanding Group Health Insurance
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a new set of questions and concerns arises. Group health insurance plans are one of the most popular solutions for employers and employees alike for many good reasons. However, it's best to understand what they entail before you sign up for one—they differ from individual plans in a number of ways.
Things Employers Need To Consider About COVID-19
Many things tax the grit of a business owner during normal operations. However, the COVID-19 outbreak and resulting forced business changes by cities and states are like nothing we've experienced as a country in modern times. The rules are changing, and, in addition, you still have to abide by the existing laws that were enacted for employee benefits. All this while keeping your customer's trust and confidence in your ability to keep them safe from the virus so that they will buy your products or services in a completely new business model.
Everything You Need To Know About the Coronavirus
The World Health Organization has declared a global pandemic and many governments are shutting down all non-essential businesses to keep citizens safe. Many people are feeling fear and uncertainty, which may be exacerbated by the flood of information online and in the mainstream media. How can you protect yourself and your family from this unprecedented threat?
Finding Health Insurance When COVID-19 Puts You Out of a Job
The detrimental impacts of COVID-19 affect us all, whether you have contracted the illness or not. In just two months, the economic fallout is already shaking the nation with many businesses closing and uncertain as to whether they will be unable to reopen once the pandemic subsides. Even those businesses that are not closing their doors are laying off or reducing the hours for large sectors of their employees. The unemployment and underemployment rates have taken a sharp upward turn, and there is no sign of the trend reversing.