The California Open Enrollment Period for health insurance begins on October 15th. All applications submitted between 10/15 and 12/15 will result in a health plan starting on January 1st, 2020. If you want to renew and stay in your current plan you don’t need to do anything. Your insurance company and/or Covered California will automatically renew your existing health plan for 2020. The 2020 health plans and pricing will be available online beginning October 15th. Between now and then we can only speculate what your pricing might look like, and we can not submit new applications until 10/15. Big Changes Are Occurring In 2020! YourRead More →

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For 30 years these plans have lain on the side of the stream, waiting for the right time. The time is now. Health Share Membership plans are becoming a mainstream option because of the significant price increases in Obamacare health plans the last couple of years. Well over 1 million people are now enrolled in these health share ministry plans. Many people I talk to have never heard of these policies. So, to help clients and visitors get a better understanding of what these health care sharing plans are, we’ve created a new section of the website with information about how these plans work, alongRead More →

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United HealthGroup Leaves California

  The second domino in a linked chain has tipped over. Two weeks ago Aetna announced its departure from California’s individual and family health insurance market, and yesterday UnitedHealth Group, Inc (parent of UnitedHealthcare) announced that UnitedHealthcare (UHC) is leaving California. With UnitedHealthcare leaving California, about 8,000 members will need to get new health insurance before December 31st, when their UHC coverage ends. In this article, we’ll show you the best replacement health insurance plans from the remaining California insurance companies. In California, UHC provided individual health insurance through their Golden Rule subsidiary using the brand name UnitedHealthOne. Golden Rule was created by UHC overRead More →

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In: Affordable Health Insurance California, Anthem Blue Cross, Blue Shield of California, Cigna, Health Care Reform, Health Net, Health Net California Farm Bureau, Kaiser Permanente, Recommendations, UnitedHealthcare
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Finding Affordable or No Cost Insurance For Your Child Every child needs dependable health insurance.  However, not all parents can afford the full cost of private medical insurance.  As a result, there are a variety of programs offered by the state of California and private organizations that can provide health care to financially strapped families.  Through these programs, there should be no child in California that doesn’t have health insurance. In the sections below we will give an overview of the child health insurance programs that are available in California.  Some of these plans provide complete coverage for children at no cost, and others provideRead More →

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With the beginning of April it becomes time to start running quotes for individual and family health insurance rates with a May 1st effective start date. The new rates and changes that Anthem Blue Cross of California announced in March now become very evident. Many Anthem customers that have older health insurance plans have seen their rates finally reach the “pain threshold” and as a result they are looking for lower cost alternatives. My quick assessment, from the first half dozen quotes I’ve run, is that Anthem has given up a huge chunk of their lead over the other individual and family health insurance companiesRead More →

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In: Affordable Health Insurance California, Anthem Blue Cross, Blue Shield of California, Cigna, Health Insurance, Health Net, rates
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How much someone, or a company, is willing to spend is what determines how easy it is to find an affordable health insurance plan. A few individuals might just buy an expensive comprehensive plan that costs hundreds of dollars a month, but most would prefer to find a plan that costs a lot less. The more benefits you want a plan to have, the more the plan will cost. Therefore, someone wanting the most benefits would buy a comprehensive plan at high cost, while another would opt to get a high deductible plan at much lower expense. As luck would have it, the San DiegoRead More →

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