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Are Patients Abusing The Healthcare System?

Interesting conversation on a recent Stefan Molyneux call-in show with someone who works in a hospital emergency room.  

For me, two schools of thought:

1.  Certainly some Medicaid recipients are abusing the system
2.  Certainly some Medicaid recipients believe that they can only get quality healthcare by using the ER

I have not been to an emergency room in many years so I can't speak to the conditions first-hand.  However, I have heard that ERs can be quite overcrowded and chaotic at times.  

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The Middle Class Squeeze - Are Unsubsidized Rates Affordable?

Remember this?

2019 Family Plan Rates 

The bottom two plans are each carrier's respective PPO Plans for 2019


Some California Obamacare Alternatives For 2019

While some health insurance plans have been eliminated by the CA legislature (short-term limited duration health insurance), there are still options available at lower premium cost than ACA plans.

I do not recommend purchasing these health plans as a substitute for a comprehensive ACA health plan.

Health Sharing Ministry

Health Sharing Ministry Plans have been exempt from the Obamacare mandate since the ACA was signed into law.  These plans a faith-based sharing plans and are not insurance plans.  Costs are shared among the members enrolled in the program.  I expect these sharing plans to continue into 2019 and beyond.  We prefer Aliera Healthcare sharing for their wide variety of heatlh share plan choices, that Aliera is not a strict denomination-based ministry, and that Aliera uses the Multiplan PHCS PPO network.  More info...

Fixed Benefit Health Insurance

The go-to alternative for some to replace short-term health insurance.  Fixed Benefit Health Plans are not limited duration and can …

2019 California ACA Open Enrollment Starts Today

The 2019 California Obamacare Open Enrollment Period has begun.  Open Enrollment will run from October 15th through January 15th.  

Enrollments for January 1 effective dates must be completed by December 15th.  Enrollments from December 16th through January 15th will receive a February 1st effective date.

We have live quoting available now for private market and Covered CA health plans.

Free Instant Quotes

Shop or call us for a quote at 408-847-6139.


Early Renewal Starts Today. Open Enrollment Starts 10/15

California Obamacare early renewals begin today.  You can renew your current health plan for 2019 starting today.    

California Open Enrollment Period begins October 15th and ends January 15th.  You can purchase a health plan or change you insurance company and plan during the open enrollment period.  

If you need help, call your agent or call us at 408-847-6139 if you don't have an agent.  


California's Last Short-Term Health Plan Now Closed

Effective September 1, 2018, the only remaining short-term health insurance plan in California has been pulled from the market.

IHC removed their offering in late August.  This is most likely in response to the imminent signing of CA SB 910 into law this month.  SB 910 would make the sale or renewal of any short-term limited duration (STLD) health insurance illegal in California.  

As of this writing, IHC will continue to offer a Fixed Benefit Health Plan in California.

The fixed benefit plan is available year-round and can start as soon as the day after application submission.  Unlike the short-term plan, the fixed benefit plan is not limited in duration.

For more information on Fixed Benefit Health Insurance, click here


California vs TrumpCare

Changes being made by the Trump Administration with regard to the ACA (ObamaCare) are not going over well in California.  

To date, the administration has extended short-term health insurance to 12 months, eliminated the tax penalty for not having compliant health insurance, allowed for the creation of AHPs (Association Health Plans) and floated the idea of decreasing the MLR (Medical Loss Ratio) from 80%.

California is insistent that the ACA and Covered CA will be the marketplace.

There are currently several bills on the Governor's desk awaiting signature to thwart the changes made by the Trump Administration.

Senate Bill 910
Would prohibit insurers from selling, renewing or offering short-term health plans in California.

Senate Bill 1108
Would allow California to seek waivers from the federal government to increase enrollment in Medi-Cal, the low-income health care program. It would also ban the state from requiring anyone on Medi-Cal to work in order to receive benefits. Kentucky …