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Idaho "Freedom Blue" Health Plans Coming Soon? has released some details about Idaho Blue Cross' plans for new, non-ACA health insurance plans.  As mentioned in my blog post of February 1, Blue Cross received legislative approval to offer skinnier and less expensive health insurance plans to individuals & families.

Apparently the five new plans will be dubbed "Freedom Blue" and will come in between 25%-50% cheaper than Obamacare plans.  From what I am reading, it appears that the plans will have some new provisions as well...

Up to 50% rate up for applicants with health conditionsPre-existing conditions exclusions for those who fail to maintain prior coverageLifetime maximum benefits $1,000,000There will likely be issues between Idaho and the federal government.  
Read the full article on Vox


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Aetna Under Investigation by California Insurance Regulators

Aetna is currently being investigated by the California Dept of Managed Healthcare (DMHC) and the California Dept of Insurance (DOI) in relation to recent testimony in a lawsuit.

"The Department of Managed Health Care, which regulates the vast majority of health plans in California, said Monday it will investigate Aetna after CNN first reported Sunday that one of the Hartford, Conn., company's medical directors had testified in a deposition related to the lawsuit that he did not examine patients' records before deciding whether to deny or approve care. Rather, he relied on information provided by nurses who reviewed the records — and that was how he was trained by the company, he said."

"In an emailed statement Monday, Aetna did not directly address the question of case reviews by non-physicians. It said its "medical directors review all necessary available medical information for cases that they are asked to evaluate. That is how they are trained, as physici…

Blue Shield Combines California Medicare Supplement Discount Programs 2018

Blue Shield CA has made changes to the discount programs available to California Seniors going onto or already on Medicare Supplement coverage.

There are currently two discounts available.  

1.  New to Medicare premium discount of $25 per month for the first twelve months from original Part B effective date.  Another $3 available if paying by Easy$Pay.  This discount applies to plans A, C, D, F & G.  Does not apply to plans N nor HD F.

2.  Household Savings Program discount of 7% for two party enrollments.

In the past, the two party discount and New to Medicare discount could not be combined and the optimal setup was to separate spouses for at least the first year.  Now couples can enjoy both of the discounts at the same time.

The ability to combine these discounts makes for great premium savings.Call or email for a free quote and information.  


The Idaho Experiment: Exit ObamaCare

Legislators in Idaho have approved a plan to allow insurers to offer residents alternative health insurance that is not compliant with the ACA (ObamaCare).  

These types of plans would likely resemble plans we saw in California prior to the implementation of ObamaCare--Tonik, RightPlan, ClearProtection, SmartSense.  Insurance carriers would still be required to offer ObamaCare-Compliant health plans for those who wish to enroll.  

"The Idaho plan would make it possible for insurance companies to offer cheaper plans that might be more attractive to people who have to buy their own insurance and do not benefit from the federal premium subsides offered under the Affordable Care Act. The catch is that those plans would be skimpier."

With the removal of the mandate to purchase ObamaCare in 2019, Idaho, and other states, fear massive rate increases as younger, healthier people opt to forego buying expensive health plans.  

For insurers as well as states, the mechanics involved would b…

The Best Health Insurance For California Millennials

Be sure to visit and bookmark our Millennials web page for frequent updates and news.

The Best Health Insurance for California Millennials

California millennials are entering their prime earning and acquisition years.  Many millennials are choosing to explore business startups and self employment, as well as testing the job market.

In some cases millennials may not have access to health insurance coverage through an employer or their parents.  This leaves the options of purchasing private health insurance, setting up a small employer benefit plan for your startup/business, or choosing to go without health insurance.  Statistically about 25% of California's uninsured population is made up of millennials between 26-34.  

When I look at health insurance for millennials, I look at three things: Quality, Affordability and Technology.  New players are entering the market with health insurance products designed for the Millennial Generation.

For millennials choosing to purchase private health…

Top 30! Our Blog Ranks #24 Best Health Insurance Blog On The Web

A nice surprise start to the year as our California Health Insurance Blog has been recognized by the panel at as one of the top 30 health insurance blogs on the web.  Our blog came in at #24.

We are in very good company with several well-known blogs including  Our friends and colleagues at insureblog came in #22.  

These blogs are ranked based on following criteria Google reputation and Google search rankingInfluence and popularity on Facebook, twitter and other social media sitesQuality and consistency of posts.Feedspot’s editorial team and expert review
Here is a link to the full list

A great way to start the new year!


Covered CA Extends February 1 Deadline

Covered CA has announced the extension of the deadline to enroll for coverage beginning February 1, 2018.

Normal deadline would be January 15th.  It has been extended to January 19th. 

Some carriers may extend off-exchange to match Covered CA, but this is not guaranteed,  I will update this post for any changes in off-exchange deadlines.  So stay tuned.