Welcome to Steve Shorr and Health Reform Quotes.com
You’ve come to our Front Door for over 1,000 web pages on Health, both Individual & Family, with Covered CA subsidiesand direct for those who are fortunate to be above 400% of poverty level, Employer Group Plans, Life, Disability, Long Term Care, Medicare, travel and various other forms of Insurance Protection for your Peace of Mind.
Open Enrollment for Individual & Families for 2019 has begun and will end 1.15.2019. 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 have stared open enrollment and ends 12.7.2018. 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!
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) 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.
Please note that the 10 Essential Benefits mandated by Health Care Reform leave out many important protections like, Life, Disability, Adult Dental or Long Term Care.
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.
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