What Do You Need To Know About Health Care Reform?

There has been much confusion with all the new changes in the country regarding health care coverage. You have heard the terms Affordable Care Act, Obama Care,  Insurance Marketplaces, Covered California.  You may have received a notice from your employer explaining your health insurance options under the new law, and  now you are expected to buy health insurance.

Where do you start? How much does health insurance cost? How do you qualify for a subsidy to help pay for it? Can you get health insurance for your dependents? There are a lot of questions to ask, and the answers can be complicated especially for business owners.  Here are some tips for getting your business in compliance:

  • Start by asking a trusted licensed insurance agent that can explain how healt reform affects you.
  • Research the state’s newly established insurance marketplace,  Covered California
  • For small business owners, it’s a smart decision to meet with your broker as soon as possible to renew your group plans early before Jan 1, 2014 to lock in your rates.  After Jan 1, 2014 rates will be skyrocketing by double digits due to the health care reform taking place.
  • Send the notice to your employees regarding the health care changes-this must be done starting October 1st.

Health insurance is vital, and when you have coverage, you have the security of knowing that if you or your dependents become ill or involved in an accident, you will be able to pay for the care needed.

This article was submitted by Lisa Nguyen, Business Development for Filice Insurance.  Filice has decades of experience with health insurance, health plans, and can help or guide you determine if a subsidy is available to you.  Please visit their website at Filice.com, or call (888) 887-4325.

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