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).

| kff_focus_on_health_reform.pdf |
| File Size: | 306 kb |
| File Type: | pdf |
Download File
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...
Big Money Savings Tip for Business Owners with Jan 1 Health Plan Renewals
It is that time of year again. Open Enrollment, ughh.
A large part of a businesses budget goes toward their Medical Insurance plan. Yet, many companies do not review the plan each year. It is complicated, employees want different things, employees get confused, and it is hard to explain the plan the changes.
Why do we change plans? Not because it's fun or to lower cost. It is because health care and insurance costs go up every year. A business must change plans just to keep the cost stable for the company and the employees.
Health insurance companies DO NOT REWARD LOYALTY! Carriers will increase costs on existing plans, meanwhile new plans are available that are not offered to current clients. That is why it is important to review options from other carriers with your broker every year. In most cases, a similar plan is available at a lower monthly premium.
BIG MONEY SAVING TIP:
We are expecting a premium increase in January. If your health plan is renewing in January or February, have a broker shop for plan options BEFORE November 15; you may be able to get the new plan started on Dec 1, and avoid that premium increase for the next 11 months. This could save THOUSANDS of dollars.
In most cases, a company can offer both HMO and PPO plans, contribute a fixed cost, and allow employees to decide whether they want to upgrade at their own cost.
At GVIS Insurance and Benefits, we help simplify the process through an easy benefits interview, plan options from top carriers with added benefits, explanation to employees and on-site enrollment.
We bring large corporate benefits to small business™
CONTACT US: (800) 846-5902Email: george@gvis.biz