Learn These Health Insurance Terms Before Choosing a Plan
If you'll soon secure your own health insurance for the first time, or if it's been a while since you switched coverage providers, there may be insurance terms you aren't familiar with. To help you feel more confident about selecting the right policy with help from an experienced health insurance broker Santa Rosa, Sackett & Associates Insurance Services wants to ensure you know these 10 health insurance terms.
Are you ready to choose a health insurance plan for 2021?
Choosing the right health plan is important for you and your family. Unfortunately, understanding the ins and outs of health insurance can be difficult, no matter what type of coverage you need. As complicated as insurance may seem, you only have one chance to enroll during open enrollment. In the state of California, open enrollment runs from November 1, 2020 to January 31, 2021, and during this time, you will be able to choose the plan that works for you. Health insurance doesn’t have to be confusing, and with just a bit of preparation and by working with a health insurance broker Santa Rosa, you can pick the perfect plan for you and your family.
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.
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.
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.
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.
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.
Use These 10 Tips to Select Health Insurance
Have you selected your insurance coverage for 2020? If not, then you need to get on it because while open enrollment keeps getting extended for the Affordable Care Act compliance, the extensions won’t last forever. To help you narrow down your options, the professionals at Sackett and Associates Insurance Services have compiled a list of ten tips.
Key Terms Defined in Health Care Debate
Of the wealthy, developed nations in the world, the United States alone does not guarantee health care to its people. One in 10 Americans have no health coverage at all, and even for those who do have it, costs for health care are increasing. The United States' health care costs per capita is twice as much as other industrialized countries. Most Americans express support for plans to expand health coverage in public opinion polls. However, the health care debate has become somewhat muddied because the terms used to describe distinct proposals are often used interchangeably.
How To Avoid the Individual Penalty
When the Affordable Care Act, sometimes called Obamacare, passed the United States Congress in 2010, it included an individual mandate requiring everyone in the United States to have health insurance coverage or pay a federal income tax penalty. The purpose was to lower premiums while ensuring that there was enough money available to cover the costs of the claims filed.
Is This Expense FSA Eligible?
Flexible spending accounts are employer-owned accounts available to employees for healthcare-related spending. Employees can take advantage of these subsidies by indicating the total amount they’d like placed in the account at the beginning of the year, then using those pre-tax funds for copays, prescriptions and more. To cover the funds, employers withhold a portion of each paycheck. While this system allows individuals to access money for medical care when they need it, there is one drawback: Any funds left in the account by the end of the year are forfeited. This means that as the year draws to a close, you may want to use your remaining balance. Fortunately, there are many FSA eligible expenses you can take advantage of.
New California State Insurance Subsidy
It’s that time of year! As soon as October closes out and Halloween is over, Open Enrollment 2020 begins on November 1, 2019. Health insurance is important, but costs continue to rise. The Affordable Care Act (ACA) purports to make healthcare accessible to all and subsidies supplement the costs. It can be a confusing process, but here is what you need to know about subsidies and Covered California in 2020.
Changing Health Insurance Plans During Open Enrollment 2020
Every year, families and individuals are given an opportunity to change their health insurance plans for any reason. This period is called Open Enrollment, and it falls at the end of the year. For most states, Open Enrollment 2020 extends from November 1, 2019 through December 15, 2019. California’s Open Enrollment period is longer and extends from October 15, 2019 through January 15, 2020. As the day approaches, you may be wondering if you should change your Covered California insurance plan. Here are a few things you should consider before making such an important decision.
All About Covered California's New Income Limits
Covered California is the name for the health insurance marketplace in California. It allows eligible small businesses and individuals to buy private health insurance policies at subsidized rates. Some families may qualify for up-front tax credits when they enroll in the Covered California Health Exchange. In order to qualify for such credits, certain household income limits must be met. Here’s what you should know about Covered California income limits before keeping or changing yours insurance plan during Open Enrollment 2020.
Open Enrollment 2020 Is Here
Though the federal government repealed the health insurance mandate penalty via the Tax Cuts and Jobs Act of 2017, Covered California plans to restore it in 2020. This is just one of many reasons individuals should not miss open enrollment, which is, once again, upon us.
Covered California Open Enrollment 2020 is Just Around The Corner
When California residents sign up for health insurance during open enrollment 2020, they will have access to new discounts and subsidies under the state's new Covered California program. This initiative is designed to expand on the Patient Protection and Affordable Care Act to help more state residents access high-quality health care through affordable health insurance coverage. Read on and review the answers to all your open enrollment questions before you sign up on October 15.
New Changes to Covered California: Expansion of Financial Help, Mandate Reinstated and More
In an effort to reduce the cost of health insurance for consumers and increase enrollment rates throughout the state, the Governor and Legislature enacted initiatives designed to bring quality health care within reach of a larger demographic through Covered California. Though bold, estimates suggest that the new initiatives will save California residents hundreds of millions of dollars in monthly premiums and ensure that middle class individuals have access to financial assistance. It is hoped that by lowering the cost of health care for Californians, small businesses will be able to expand, hire more personnel, buy new equipment and realize their full potential.
ACA Benefits Health Insurance Companies