In a bold move, two of three judges on a D.C. Circuit Court of Appeals panel ruled that consumers who purchased health insurance through the federal health insurance exchange established under the ACA aren’t eligible for cost-sharing subsidies.1 The basis for the ruling by the two judges on the three-judge …
Employee Wellness Plans Can Help Reduce Business Healthcare Costs
Most Americans spend the better part of their week at work. Many are sedentary, sitting behind a desk for most of the day. Between the demands of family, commuting time, and all the things we have to get done every day, eating a healthy diet and exercising are often put …
Five Preventive Care Services Every Adult Needs
Many people believe it’s not important to see a doctor unless they have a specific problem—an ear infection or a broken bone, for example. This is a mistake, as people of all ages need preventive care to make sure they are in good health. Having a comprehensive California health insurance …
Insurance Navigator vs. Certified Insurance Agent: What’s The Difference?
Covered California, the state’s health insurance exchange, appointed insurance “navigators” to assist consumers with enrollment in health plans through the marketplace. But, what exactly is an insurance navigator, and what kind of training do they have? And what’s the difference between an insurance navigator and a certified insurance agent? Your …
Water Safety Tips for Summer
Millions of people look forward to water sports and activities during summer, whether at a local beach, river, lake, or backyard swimming pool. The most important thing you can do for you family, in terms of water safety, is to make sure everyone in the family, no matter how young …
Tips for Staying Safe during the Hot Summer Months
Summer is upon us, and that means lots of outdoor activities and fun in the sun. It’s important to protect yourself from dangers like sunburn and dehydration while outdoors. Common mistakes people make are forgetting sunscreen and not drinking/carrying enough water. Not taking precautions can be more than a minor …
Goldilocks Rule Applies When It Comes to Sleep
Sleeping too long can be just as problematic as sleep deprivation, according to a recent report from the Harvard-based Nurses’ Health Study. The key is not getting too much or too little sleep, but just the right amount. Adequate sleep, along with a healthy diet, regular exercise, and maintaining a …
What Is a “Grandfathered” Health Plan and How Do I Know if I Have One?
While President Obama declared on several occasions that people who liked their health insurance plans would be able to keep them, some people have nonetheless found their policies cancelled by their insurance companies in response to the changes under the Affordable Care Act (ACA). Amidst all the confusion about healthcare …
What Do I Get with California Health Insurance Coverage?
There are several items that must be covered under the new insurance laws, and all of our policies meet these requirements. The minimum coverage must be able to help you afford basic medical services and provide assistance with specific items, such as the following: Maternity care and infant care Pediatric …
How the Mandatory Health Care Law Will Affect California Businesses
The healthcare mandate will require that all Californians have health insurance as of January 2014, with some exceptions. Many businesses are rightfully concerned about how this will affect them. The answer essentially comes down to the size of the business. Impact on Businesses with Fewer than 50 Full-Time Employees Small …