Affordable Health Insurance – Redlands CA

Health Insurance for Under 65 and Not on Medicare

Have your family and friends contact the
Redlands Health Insurance
Enrollment and Benefits Center
at (909) 792-3302.

Our services are free.

redlands health insurance enrollment & benefits center

Choosing a Health Plan for 2015… What to know (and do) now

aca enrollment redlands caThe national open-enrollment period for health insurance coverage for 2015 is Nov. 15, 2014 through Feb. 15, 2015. During this period, insurance carriers offering coverage must guarantee acceptance into Affordable Care Act (ACA)-compliant health insurance plans without limitations on pre-existing conditions.

If you haven’t already prepared for the 2015 open-enrollment period, here are some important steps to take.

Find out if your current health plan complies with the ACA. In all materials describing plan benefits, health plans must disclose whether or not they are ACA compliant. Check your materials or contact your carrier to confirm the status of your plan.

  • ACA-compliant health plans.If you’re enrolled in a 2014 ACA-compliant health plan, your benefit year ends Dec. 31, 2014. Your coverage ends Dec. 31 even if you enrolled in the plan after Jan. 1, and any changes to your benefits or rates will be made at the beginning of each calendar year.

To continue your coverage in 2015, you can renew you current plan or chose a new plan.

Non-compliant health plans. If you like your current health plan, you may be able to keep it. But if your carrier discontinues your plan or it loses “grandfathered” status, you may have to upgrade to a plan that meets ACA requirements. In most cases, your insurance provider will tell you if you’re required to make a change for 2015.

You may be at risk for a penalty if your plan isn’t ACA compliant, so check your materials or contact your carrier to confirm. The government accessed penalty for non-compliance with ACA has increased for 2015 – 2 percent of your income or $325 per adult /$162.50 per child, whichever is more.

Shop for coverage

Although you can’t apply for 2015 coverage until Nov. 15, you can start evaluating your needs now.
Call us at (909)792-3302 with any question you might have.

Our services are free.


Health Insurance for Under 65 and Not on Medicare

health insuranceHealth insurance protects you from high, unexpected costs.

Did you know the average cost of a 3-day hospital stay is $30,000? Or that fixing a broken leg can cost up to $7500? Having health coverage can help protect you from high, unexpected costs like these.

Most people must have health coverage in 2014 or pay a fee.

If you don’t have coverage in 2014, you’ll have to pay a penalty of $95 per adult, $47.50 per child, or 1% of your income (whichever is higher). The fee increases every year. Some people may qualify for an exemption to this fee.
If you enroll by March 31, 2014, you won’t have to pay the fee for any month before your coverage began.

Marketplace open enrollment for 2014 ends March 31, 2014.
The proposed open enrollment period for 2015 is from November 15, 2014 to January 15, 2015.

Have your family or friends contact the Redlands Health Insurance Enrollment  & Benefits Center at (909) 792-3302. Our services are free.




Obamacare has been effectively extended by another day

dec 24thThe deadline for signing up for the Affordable Care Act, also known as Obamacare has been effectively extended by another day, the Obama administration said today.
The deadline had been Monday, Dec. 23 for people who want coverage by Jan. 1. People can now sign up through Tuesday, Dec. 24.

We are here to help you and remember our services are free of charge

(909) 792-3302

2014 in 214 Words: A Really Simple Explanation of Obamacare

affordable care act


Lot of you have questions about what is coming up next year in regards to the Affordable Care Act, also know as Obamacare.
This article will answer most of your question. Visit for more help.

George Litchfield

In the following months, additional provisions of the Affordable Care Act will be available, including critical new consumer protections for Americans and their families that end the worst insurance company abuses by banning discrimination based on pre-existing health conditions, ending annual limits on what an insurance company will cover, and giving all Americans access to health care plans that cap out-of-pocket medical costs for the first time.

We wanted to debunk some of the other myths about Obamacare – here are 214 words to describe the law.

  • f you have health coverage you like, you can keep it. Children under 26 can stay on a parent’s health insurance plan.
  • If you don’t have coverage, you can use the new Health Insurance Marketplace to buy a private insurance plan.
  • Pre-existing conditions are covered. So are many preventive services and 10 essential health benefits.
  • Depending on your family size and income, you may get lower costs on monthly premiums and out-of-pocket costs.
  • You may also qualify for free or low-cost coverage from Medicaid or the Children’s Health Insurance Program (CHIP). Many states are expanding Medicaid to cover more people in 2014.
  • If you don’t have coverage in 2014 you’ll have to pay a fee. In 2014 it’s $95 per adult ($47.50 per child) or 1% of income, whichever is higher. The family max is $285.
  • If you have coverage and want to explore Marketplace plans, you can. But if you have an offer of insurance from an employer, you may not be able to get lower costs on Marketplace insurance based on your income. It depends on whether the insurance you’re offered is considered affordable and meets minimum standards.
  • Medicare isn’t part of the Marketplace. If you have Medicare, keep it.
  • Marketplace open enrollment starts October 1, 2013. It closes March 31, 2014.

–This article was written by Kasie Coccaro

To get more of your questions answered go to

Medicare is Growing Stronger, with Help from the Affordable Care Act

good newsToday, the Medicare Trustees reported some good news for seniors and taxpayers: The Medicare program will be solvent through 2026, nearly a decade longer than projected at the time of passage of the Affordable Care Act. This is 2 years longer than projected last year. Their annual report also shows that the long run actuarial deficit in the Hospital Insurance Trust Fund – a measure of its long-term fiscal health – has been cut by more than 70 percent since enactment of the health care law. The long-run Medicare deficit has fallen from 3.88 percent of taxable payroll in the 2009 Trustees Report to 1.11 percent in this report.

These long-run gains are matched by short-term relief: the Trustees also project that the Part B premium will not increase between 2013 and 2014, keeping out-of-pocket costs for beneficiaries down. Medicare cost growth has remained at historically low levels over the past three years even as new benefits for preventive care and prescription drugs have helped tens of millions of beneficiaries access care at lower cost. The law reduces prescription drug costs by closing the donut hole, a policy that has already saved more than 6 million seniors more than $700 each. And more than 32 million seniors have accessed a free preventive service under the law, helping them stay healthy and avoid future illness.

This news comes on the heels of a string of reports of good news for Medicare, for seniors, and for overall health care costs. This morning, USA Today reported on how Affordable Care Act is driving innovation across the health industry by the creation of new care models, new payment incentives, and greater efficiency by health care providers – improvements that will benefit all health care consumers. New care models like Accountable Care Organizations reward providers for managing the quality and costs of their patients across all settings over time –more than 250 of these organizations area already serving more than 4 million Medicare beneficiaries. Payment incentives to focus on quality are showing results – there were about 70,000 fewer unneeded hospital stays in Medicare last year. And our data and health information technology initiatives are driving a wave of innovation as entrepreneurs and innovators develop and deploy new digital tools to help clinicians deliver better care across the country.

We are focused on making sure these good trends continue. The President’s budget includes policies to further strengthen Medicare and lower health cost growth, resulting in savings for families and government alike. And we’ll continue to take actions to support innovation and improve quality. Nurturing these developments is essential to supporting the Medicare program into the next decade and beyond.

Please contact us beginning in August for an appointment starting on October 1st for pre-65 individuals and Oct. 15th-Dec. 7th for Medicare recipients if you plan on making a change.Call: (909)792-3300 for your appointment.