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	<title>California Health Insurance Information and News</title>
	
	<link>http://www.benefitscafe.com/blog</link>
	<description />
	<lastBuildDate>Fri, 17 May 2013 08:07:09 +0000</lastBuildDate>
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		<atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" type="application/rss+xml" href="http://feeds.feedburner.com/BenefitsCafe" /><feedburner:info uri="benefitscafe" /><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="hub" href="http://pubsubhubbub.appspot.com/" /><feedburner:emailServiceId>BenefitsCafe</feedburner:emailServiceId><feedburner:feedburnerHostname>http://feedburner.google.com</feedburner:feedburnerHostname><item>
		<title>Health Care Reform Update: Action in Sacramento</title>
		<link>http://feedproxy.google.com/~r/BenefitsCafe/~3/RXag3ZxpI1A/</link>
		<comments>http://www.benefitscafe.com/blog/2013/05/17/health-care-reform-update-action-in-sacramento/#comments</comments>
		<pubDate>Fri, 17 May 2013 08:07:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[ACA]]></category>
		<category><![CDATA[Covered California]]></category>
		<category><![CDATA[Health Benefit Exchange]]></category>
		<category><![CDATA[Health Insurance Reform]]></category>
		<category><![CDATA[PPACA]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[small group health insurance]]></category>

		<guid isPermaLink="false">http://www.benefitscafe.com/blog/?p=550</guid>
		<description><![CDATA[Much is in flux with the ACA and we should accept that many good questions do not have answers – yet. Michael Lujan, Director of Sales and Marketing for Covered California advised us to “get the facts.” We should be comfortable saying: “here is what we know now and here is what has not been determined. We don’t have the information to answer all of the questions… at this time. ” ]]></description>
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		<feedburner:origLink>http://www.benefitscafe.com/blog/2013/05/17/health-care-reform-update-action-in-sacramento/</feedburner:origLink></item>
		<item>
		<title>Health Insurers to Continue Medical Underwriting in 2014 Despite ACA Prohibition</title>
		<link>http://feedproxy.google.com/~r/BenefitsCafe/~3/BU4nQZwNABA/</link>
		<comments>http://www.benefitscafe.com/blog/2013/04/19/health-insurers-to-continue-medical-underwriting-in-2014-despite-aca-prohibition/#comments</comments>
		<pubDate>Fri, 19 Apr 2013 06:19:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[ACA]]></category>
		<category><![CDATA[Health Insurance Reform]]></category>
		<category><![CDATA[Large Group Medical Insurance]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.benefitscafe.com/blog/?p=528</guid>
		<description><![CDATA[It is my understanding that the Affordable Care Act (ACA) forbids medical underwriting in the individual and group markets beginning in 2014.  However, today, April 18, 2013, I attended a panel discussion of large group health insurance carriers , where representatives from Aetna, Anthem Blue Cross, CIGNA and Health Net all stated that they would continue to medically underwrite groups with 50 or more employees.]]></description>
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		<feedburner:origLink>http://www.benefitscafe.com/blog/2013/04/19/health-insurers-to-continue-medical-underwriting-in-2014-despite-aca-prohibition/</feedburner:origLink></item>
		<item>
		<title>CA Exchange Website Could Spell Trouble for Insurers &amp; Consumers</title>
		<link>http://feedproxy.google.com/~r/BenefitsCafe/~3/eoJAuSKzowU/</link>
		<comments>http://www.benefitscafe.com/blog/2013/04/15/ca-exchange-website-could-spell-trouble-for-insurers-consumers/#comments</comments>
		<pubDate>Mon, 15 Apr 2013 22:36:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[ACA]]></category>
		<category><![CDATA[Covered California]]></category>
		<category><![CDATA[Health Benefit Exchange]]></category>
		<category><![CDATA[Health Insurance Reform]]></category>
		<category><![CDATA[Individual Medical Insurance]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.benefitscafe.com/blog/?p=501</guid>
		<description><![CDATA[On April 8th, 2013 Covered California/exchange/HBEX held a webinar for agents to describe their online enrollment process. Buried at the end of the presentation, slide 37 of 39 slides, was a screenshot of the page someone will see when he/she goes online to select a health insurance plan through Covered California. Bad news for consumers who want a [...]]]></description>
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		<item>
		<title>California Exchange (HBEX) Shocks Insurance Industry with Selection of SHOP Administrator</title>
		<link>http://feedproxy.google.com/~r/BenefitsCafe/~3/GRuj8osrNr4/</link>
		<comments>http://www.benefitscafe.com/blog/2013/04/08/california-exchange-hbex-shocks-insurance-industry-with-selection-of-shop-administrator/#comments</comments>
		<pubDate>Mon, 08 Apr 2013 20:24:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[ACA]]></category>
		<category><![CDATA[Covered California]]></category>
		<category><![CDATA[Health Benefit Exchange]]></category>
		<category><![CDATA[Health Insurance Reform]]></category>
		<category><![CDATA[PPACA]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[small group health insurance]]></category>

		<guid isPermaLink="false">http://www.benefitscafe.com/blog/?p=491</guid>
		<description><![CDATA[California’s Health Benefit Exchange (HBEX)  also known as “Covered California,” sent an email to agents on Friday, April 5, 2013 to announce that they had selected Pinnacle Claims Management, Inc. to run the California SHOP exchange for small businesses. This shocked many in the insurance community including carrier reps, general agents and agents because most [...]]]></description>
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		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.benefitscafe.com/blog/2013/04/08/california-exchange-hbex-shocks-insurance-industry-with-selection-of-shop-administrator/</feedburner:origLink></item>
		<item>
		<title>Price War for California Small Group Health Insurance</title>
		<link>http://feedproxy.google.com/~r/BenefitsCafe/~3/RH-WPH16sHk/</link>
		<comments>http://www.benefitscafe.com/blog/2013/03/21/price-war-for-california-small-group-health-insurance/#comments</comments>
		<pubDate>Thu, 21 Mar 2013 19:00:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[ACA]]></category>
		<category><![CDATA[Health Insurance Reform]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[small group health insurance]]></category>

		<guid isPermaLink="false">http://www.benefitscafe.com/blog/?p=455</guid>
		<description><![CDATA[California insurance companies are engaged in a price war for small business health insurance.  I never thought that I would ever write that sentence. However, it&#8217;s true. As I previously reported on this blog, Health Net started the war in January 2013 when they offered ANY group with 6 or more employees the lowest rate (RAF [...]]]></description>
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		<item>
		<title>Enroll in Medicare or Stay on Your Employer’s Health Plan – a Helpful Guide</title>
		<link>http://feedproxy.google.com/~r/BenefitsCafe/~3/wBW02ZkKl4s/</link>
		<comments>http://www.benefitscafe.com/blog/2013/03/13/enroll-in-medicare-or-stay-on-your-employers-health-plan-a-helpful-guide/#comments</comments>
		<pubDate>Wed, 13 Mar 2013 05:38:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Individual Medical Insurance]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Employer's Group Insurance]]></category>
		<category><![CDATA[Medicare]]></category>

		<guid isPermaLink="false">http://www.benefitscafe.com/blog/?p=437</guid>
		<description><![CDATA[I've just written a helpful guide for people who continue to work and must decide whether they should enroll in Medicare or stay on their employer's group medical plan.  It turns out that the decision is a bit complicated and the answer depends on:
•who's paying for the group plan (employer or employee);
•whether the employee also has dependents enrolled on the group plan; and - oddly enough -
•how much the employee earns...

The article is sprinkled with a few funny things - so it's not as dry as you might imagine.  If you're in this situation or if you know someone who is, you should read the article.  Learn more by clicking on the link above.
]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Health Net Special Offer for Low Rates to Most Small Groups in California</title>
		<link>http://feedproxy.google.com/~r/BenefitsCafe/~3/RjI3U7DeRFA/</link>
		<comments>http://www.benefitscafe.com/blog/2013/03/01/health-net-special-offer-for-low-rates-to-most-small-groups-in-california/#comments</comments>
		<pubDate>Fri, 01 Mar 2013 22:10:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[ACA]]></category>
		<category><![CDATA[Health Insurance Reform]]></category>
		<category><![CDATA[PPACA]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.benefitscafe.com/blog/?p=417</guid>
		<description><![CDATA[Health Net of California is guaranteeing small group employers (2-50 employees) with the lowest rate possible. New groups that enroll 6 or more employees in a Health Net plan will receive the lowest possible "Risk Adjustment Factor" (RAF) of 0.90.  Health Net's RAF Special expires April 15, 2013.]]></description>
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		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.benefitscafe.com/blog/2013/03/01/health-net-special-offer-for-low-rates-to-most-small-groups-in-california/</feedburner:origLink></item>
		<item>
		<title>Health Insurance Marketplace: the New Name for the Federal Exchange</title>
		<link>http://feedproxy.google.com/~r/BenefitsCafe/~3/ZoE-11gxprc/</link>
		<comments>http://www.benefitscafe.com/blog/2013/02/12/health-insurance-marketplace-the-new-name-for-the-federal-exchange/#comments</comments>
		<pubDate>Tue, 12 Feb 2013 07:21:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[ACA]]></category>
		<category><![CDATA[Covered California]]></category>
		<category><![CDATA[Health Benefit Exchange]]></category>
		<category><![CDATA[Health Insurance Reform]]></category>
		<category><![CDATA[Individual Medical Insurance]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.benefitscafe.com/blog/?p=399</guid>
		<description><![CDATA[The Federal government has re-branded its health insurance "exchange" as the "Health Insurance Marketplace." A video on the government's web site suggests that shopping in the Health Insurance Marketplace will be as easy as buying food in a grocery store. The government makes some pretty bold claims 

]]></description>
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		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.benefitscafe.com/blog/2013/02/12/health-insurance-marketplace-the-new-name-for-the-federal-exchange/</feedburner:origLink></item>
		<item>
		<title>No Federal Subsidies for Families if Company offers Employees Affordable Coverage under ACA</title>
		<link>http://feedproxy.google.com/~r/BenefitsCafe/~3/ErpU5iU2aDE/</link>
		<comments>http://www.benefitscafe.com/blog/2013/02/04/no-federal-subsidies-for-families-if-company-offers-employees-affordable-coverage-under-aca/#comments</comments>
		<pubDate>Mon, 04 Feb 2013 19:54:25 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[ACA]]></category>
		<category><![CDATA[Health Insurance Reform]]></category>
		<category><![CDATA[Individual Medical Insurance]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.benefitscafe.com/blog/?p=377</guid>
		<description><![CDATA[Unless an employer decides to contribute a portion of the premium for dependent coverage (and employers get no credit for this contribution under the ACA) then employees will shoulder the entire financial burden of health insurance for their family. ]]></description>
		<wfw:commentRss>http://www.benefitscafe.com/blog/2013/02/04/no-federal-subsidies-for-families-if-company-offers-employees-affordable-coverage-under-aca/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://www.benefitscafe.com/blog/2013/02/04/no-federal-subsidies-for-families-if-company-offers-employees-affordable-coverage-under-aca/</feedburner:origLink></item>
		<item>
		<title>Individual Coverage for Employees: Health Care Reform (ACA) May Create Opportunities for Small Businesses</title>
		<link>http://feedproxy.google.com/~r/BenefitsCafe/~3/S1h_tQZfmw8/</link>
		<comments>http://www.benefitscafe.com/blog/2013/01/29/individual-coverage-for-employees-health-care-reform-aca-may-create-opportunities-for-small-businesses/#comments</comments>
		<pubDate>Wed, 30 Jan 2013 01:46:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Covered California]]></category>
		<category><![CDATA[Health Benefit Exchange]]></category>
		<category><![CDATA[Health Insurance Reform]]></category>
		<category><![CDATA[Individual Medical Insurance]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://www.benefitscafe.com/blog/?p=363</guid>
		<description><![CDATA[In 2014, when the new market rules take effect, a business owner may be able to choose between the small group and individual market to purchase coverage for employees... Same product in two separate markets offered at different prices.  A small business owner’s arbitrage opportunity would be to purchase health insurance for employees in the market with the lowest price.]]></description>
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