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Health insurance can be a big expense for employers, especially for small businesses, which are often hit hardest in terms of health insurance costs.  Despite rising insurance costs, offering California health insurance as part of a benefits package helps attract the best and brightest employees. In that sense, offering employer-sponsored …

Employers with very few employees sometimes make the mistake of assuming that they don’t qualify for small group health insurance—an incorrect assumption, in most cases.  Federal law mandates that small business owners with 2 to 50 full-time employees are guaranteed group coverage should they choose to purchase it, regardless of …

Non-communicable diseases like diabetes, heart disease, and lung disease account for 7 of every 10 deaths in the U.S., according to the U.S. State Department. These are often called “lifestyle diseases” because, to some extent, they can be prevented by lifestyle behaviors and changes. One thing is certain—America has become …

You may have heard about tax credits and subsidies to help cover the cost of health insurance under the new healthcare mandate, but how do you know if you qualify, and how much does it really reduce the cost of coverage?  Although the terms tax break and subsidy are sometimes …

Target is following in the footsteps of several large companies, including Home Depot and Walmart, which have decided to stop offering health insurance for part-time employees in response to the Affordable Care Act (commonly referred to as “Obamacare”).  Target announced that it will stop offering health insurance benefits to its …

While college students are not exempt from the Affordable Care Act’s (ACA) mandatory insurance rule that went into effect January 1, 2014, they do have more options for coverage under the ACA.  College students can now stay on their parents’ health insurance plan until age 26—this is also true for …

Nearly 9 out of every 10 people get their health insurance through their employer, or through a government plan such as the military, Medicare, or Medicaid. There are only a few people that need to get individual health insurance policies on their own. That’s one of the reasons why it …