Welcome to Steve Shorr.com and
Health Reform Quotes.com
We are also happy to help you with
- Employer Group Plans,
- Long Term Care,
- travel and
- various other forms of Insurance Protection for your Peace of Mind.
There is no additional charge for our expertise. We are paid by the Insurance Companies as it takes the service and consultation burden from them.
Open Enrollment for Individual & Families for 2021 will start 10.15.2020 begun and will end 1.30.2021. If you don’t have coverage now or need to change your plan, check out the special enrollment rules.
Medicare Advantage Plans and Part D Rx open enrollment starts October 15th and ends December 7. If you are just turning 65 or are new to Medicare, Part B or under 65 with a disability that gives you a NEW Open enrollment period.
Employer Groups can enroll the year around!
More information & Detail
See the navigation bar above or if your using a smart phone, the hamburger button to navigate our site.
View the Income Chart – to see the Subsidy – Medi-Cal – Enhanced Silver levels by family income.
If it’s not Open Enrollment, check out the reasons for when you can use the Special Enrollment process.
If you qualify for subsidies and want to use Covered CA, just get the (Free Instant Quotes, benefits, provider lists & Subsidy Calculation) we can then complete your Covered CA application. If you have a Covered CA ONLINE account, you can appoint us as your agent, no extra charge by following these instructions. In our role as your agent, we offer year around service and consultation, not just completing an application, which no longer even asks for medical history. There is no more Pre-Existing Condition clause, it’s all guaranteed issue §2701.
Health Insurance meeting the lowest 10 “essential benefits” requirement. is mandated for just about everyone starting 1.1.2014. The penalty for non compliance is:
- 2% of income (for 2015 and increasing). While on a Federal Level the penalty is now zero, CA has added it back in for 2020. and of
- course possible bankruptcy (the penalty does not get you any coverage) if G-d forbid you become ill or get into a major accident.
The rates and benefits are the same in and out of Covered CA, as Health Care Reform doesn’t want adverse selection. However, there are more plans and companies (Free Instant Quotes) outside of Covered CA.
Guaranteed Issue - No Pre X Clause
Quote & Subsidy Calculation
No charge for our complementary services
Details on how to use our quote engine
Child Pages & Site Map
Introduction to Health Care Reform by Steve Shorr