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Showing posts from October, 2018

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.