EXPLAINING HEALTH CARE REFORM: Questions About Health Insurance Subsidies
Good health insurance is expensive, and its cost is out of reach for many lower and moderate income families, particularly
if they are not offered health benefits at work. To make coverage obtainable for families that otherwise could not afford it
and to encourage broad participation in health insurance, the Patient Protection and Affordable Care Act (PPACA) includes
provisions to lower premiums and cost-sharing obligations for people with low and modest incomes. The adequacy of this
assistance will be a key determinant of how many people will gain coverage and whether or not lower income people will be
able to use the health insurance they obtain.
This summary describes the financial assistance provided under PPACA for people purchasing coverage on their own
through health insurance exchanges. Expanded coverage for low income people through Medicaid and CHIP and new tax
credits for small businesses offering health insurance are addressed in other reports. Download and read the pdf document for more details....
Coming soon, more info on Covered California (formerly California Health Benefit Exchange).
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Health Insurance Carrier Discount: 20% Rate Savings on Small Business Groups with 6+ Employees!
For new groups with effective dates of October 1, 2012, through December 15, 2012, have at least 6 employees,are in California. Our top carrier is offering a limited time discount of 20% off for new group health insurance plans. Some restrictions apply. Contact us for more info....
Call us at (800) 846-5902
Many Small Business Owners are not taking advantage of Health Care Reform Tax Credits!! IF you know someone with 25 or fewer employees, share with them. Here's how...
Principal just released its new Business Owner Market Study, "A Balancing Act - Priorities vs. Plan." The report showed that business owners rank business protection as their highest priority, and income protection as their third highest priority.
More surprising is that despite the high level of interest, many have not taken action to put protections in place. Only one in four business owners - 24 percent - has an individual disability insurance (IDI) policy, fewer than 1 in 10 (9 percent) of business owners have key person disability insurance, and fewer than 1 in 20 (4 percent) have a disability overhead expense plan in place.
What does this mean to you?
We know that business and income protection are issues keeping business owners awake at night. We also know they're failing to take the next step - probably due to lack of knowledge or fear of affordability.
How do you protect your business?
Key Person Life Insurance is insurance on the life of a key employee to help reimburse an employer for the economic loss
caused by the death of the employee.
Key Person Disability Insurance is an individual disability insurance policy designed to provide business owners
with the funds necessary to compensate for the loss of a key employee due to a total disability.
Disability Overhead Expense Insurance reimburses an owner for covered overhead expenses up to a specified amount when a disability occurs.
Download a free copy of the report, and then contact us for facts and information about ways to protect your business.
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