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Important Covered California Healthcare Deadline Dates

Posted on: December 30, 2013 By: Kevin Tavakoli

The deadline dates to enroll in the Affordable Care Act, widely known as Obamacare, continue to be pushed back in many states, but not for residents of California. Individual taxpayers in California who have not yet signed up for coverage will be unable to have coverage at start of the new year.

People who have already managed to enroll in a health plan from Covered California, California’s healthcare exchange, have until January 6th to make a payment to the insurance company to receive back-dated coverage from January 1st, according to the Covered California web site.

Californians that do not have health insurance may continue to select and pay for a plan up until the March 31st deadline to avoid paying any tax penalties due to lack of insurance. Any health insurance plan bought before the 15th of each month leading up to the deadline will go into effect on the first day of the following month.

It is essential that all Americans have insurance, but the new law has left many feeling confused. A leading health insurance agent in Los Angeles, Save-on Health Insurance Services Inc. can help you understand what the new law means to you and help select a plan that fits your needs.

What Self-Employed California Residents Should Know About the ACA

Posted on: November 29, 2013 By: Kevin Tavakoli

Self employed individuals have always felt somewhat of a burden when it comes to health insurance, but upcoming changes associated with the Affordable Care Act have many individuals nervous. Here are some basic things to understand about how the ACA comes into play for self-employed individuals.

  • Self-employed individuals without any employees don’t have to worry about mandates associated with employers.
  • If your business isn’t an Inc. or other legal set up and you earn an income from consulting or other work, you are self-employed and eligible to apply for individual insurance in the ACA marketplace.
  • California’s health insurance marketplace is known as Covered California and features numerous coverage options, including plans for the self employed.
  • Even if you’ve had trouble securing an individual health policy in the past due to pre-existing conditions, you’ll be able to find options on the Covered California marketplace.

For more information about individual health insurance in the Los Angeles, California area, contact Save-On Health Insurance Services.

Understanding the Basic Facts of the Affordable Care Act

Posted on: November 27, 2013 By: Kevin Tavakoli

Are you confused by the Affordable Care Act, commonly known as Obamacare? According to recent polls, you are in good company. The basics of the ACA are not as well disseminated as they should be. Now almost all U.S. citizens and legal residents are required to carry a health insurance policy beginning in 2014 and keep that policy until they are eligible for Medicare.

Probably the most confusing aspect of the marketplace are the issues with the federal government’s website. Some states have their own health exchange website up and running, while others use the federal website in lieu of their own. In the event you don’t want to go through a web portal, you can call a phone number or apply through the mail.

A selection of health plains is available to you, regardless of how you enroll. You buy the plan that makes the most sense for you, and you can reduce its cost with a federal subsidy if you qualify. If you feel you can’t afford a plan, you may be in a state that is expanding Medicaid, which is public health care for the poor. Those who are 26 years old and younger can stay on their parent’s health insurance plan instead of buying their own individual coverage.

Finally, if you get health insurance through your employer, you don’t have to do anything apart from stay on your current plan.

Are you in the Los Angeles, California area and looking for information about health insurance? Contact Save-On Health Insurance Services, Inc. to talk to an agent today!

 

Affordable Care Act Answers You Need

Posted on: October 21, 2013 By: Kevin Tavakoli

As the Affordable Care Act (ACA) gets closer to reality, there are more questions than can be answered in advance. However, your trusted source for valuable health coverage advice in Los Angeles and throughout California, Save-On Health Insurance Services, Inc. offers these answers to some important ACA questions.

What If I Don’t Have Health Insurance in 2014? If you don’t get coverage in 2014, you may need to pay a fee of 1.0 percent of your annual income or $95 per person, whichever is greater. The penalty increases to 2.5 percent or $695 in 2016. Open enrollment ends on March 31, 2014.

Are There Any Exemptions from Penalty Fees? You might qualify for an exemption if you have evidence of an item on a list of conditions that create "hardship exemptions."

Am I Eligible for Insurance with a Pre-Existing Health Condition? Yes. You cannot be refused coverage for pre-existing conditions.

How Can the ACA Help Me? The Health Insurance Marketplace in California offers you more money-saving choices for healthcare coverage.

If you’re uninsured or under-insured, contact Save-On Health Insurance Services, Inc. to get more answers to your questions. They have been serving California residents for over 28 years with all types of affordable insurance coverage. The Save-On Health Insurance Services professionals will help you navigate the confusing subjects of the Affordable Care Act.

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