Historical

California’s small business market in 2014 dropped by 11% to 2.1 million enrollees. Meanwhile, enrollment in the individual market increased by 47% to 2.18 million during the same period.  The sharp uptick in the individual market largely was driven by Covered California and the availability of subsidies to help pay for premiums for plans purchased through the exchange.

Learn More⇒  CA Healthline 5.26.2015

Child, Related Pages & Site Map 

• AB 1083 – PPACA – CA law to comply with Federal Law
  • 90 Day Maximum Waiting Period?
    • Late Enrollee – Triggers – Qualifying Events
  • Definitions Health Care Reform
    • EmployER Definition – Health Care Reform
      • 1099 vs Employee & Other Defintions
        • Telemarketing Training
      • EmployEE Definition
        • Dependent Definition – Up to Age 26 – Add newborn baby
          • Registered Domestic Partners – Spousal Health Coverage?
  • Insurance Company requirements AB 1083
    • Employer Group Association Plans – Trump’s Executive Order – CA prohibition
    • Health & Safety Code Requirements Insurance Companies must Follow!
  • Participation & Contribution Requirements
    • Documents to show bonafide Employer in business
      • Fictitious Business Name
    • Enforcement – Participation – Recertification – Actively @ Work
      • Actively @ Work Corona Virus Quarantine?
      • Why enroll in your Employers Group Health Plan?
    • Management Carve Outs
      • Common Ownership – Affiliated Companies – Corporations
      • Salary Discrimination §2716 – Not enforced
      • Similarly Situated Employees
    • Special Annual Open Enrollment – NO Rules!
• Carriers – Companies
  • Aetna
  • Blue Cross – Anthem
    • Administrative, Renewal & Wellness Tools
    • Anthem Blue Cross Dental
  • Blue Shield
    • Administrative
    • Blue Shield Dental
  • California Choice – Multiple Companies ONE Bill
  • Health Net
    • Administrative, Wellness & Renewal Tools
  • Kaiser Permanente – New Enrollment
    • Administrative Tools & Info
  • Oscar
  • Sharp Health Plan
  • SHOP – Covered CA for Small Business
    • Dental
  • Sutter Health 2021
  • United Health Plan
    • Administration & Wellness
• COBRA & California Cal-COBRA 36 months total coverage
• Dental, Vision, Supplemental
  • Supplemental – Cancer
• Quotes Employer Group – California – Instantly
  • Premium – Rating Factors
• Tax Credits Small Business §45 R
  • IRC §106 Health Insurance Deduction for Employers & Employees
    • Schedule C – Self-Employment Income – Hobby? Office in home?
  • Section §105 -HRA Health Reimbursement
  • Section 125 – POP Plan Employee Contributions are Tax Deductible
    • §125 Cafeteria Plan – Full Benefit

• ACA Health Care Reform – Obamacare Introduction
  • 10 Essential Mandatory Benefits + CA Benefits
    • Mental Health – ACA/Health Reform Mandated Essential Benefit
      • Mental Health – Outpatient – Therapist – Medicare
      • Resources – Mental Health
        • Blame – Your fault or being scapegoated?
          • Being Misunderstood? Non Verbal Communications
          • Sales & Relationship Rejection
          • Toxic and Controlling People
            • Enmeshment – unclear boundaries
            • Inhospitality
            • Meme’s on Better Relationships
        • Lanterman – LPS – Conservatorship
          • Murphy Conservatorship
        • Organizing, Hoarding, & Cluttering
    • Pre-Existing Conditions – No more!
    • Prescriptions Drugs – Rx
    • Preventative Care & Wellness Programs
      • Corona Virus – How does Insurance Cover it? – Relief Programs
      • Preventative Care – Wellness Visit – Medicare
      • Wellness – Kaiser Programs
        • Nutrition & Weight
  • 80% Medical Loss Ratio (MLR) – Actuarial Value
    • CA Insurance Rate Regulation
      • Premium increases? Why are they always going up?
        • Financial Impact of Health Care Reform on Premiums
  • Heath Reform Upheld as a tax NFIP vs Sebillius
    • California vs Texas Supreme Court – ACA unconstitutional
  • MAGI – Modified Adjusted Gross Income – Line 37* Now 7 or 8b
    • APTC Advance Premium Tax Credit – Subsidies – Introduction
      • 1095 A, B & C & FTB 3895 Covered CA Statement of Subsidy & Proof of Coverage
      • 8962 Premium Tax Credit APTC Form attaches to Form 1040
        • Medi Cal – Income Drop? Tax or Subsidy Pay Back?
        • VITA FREE help – Covered CA Warning Memo
      • Native American – Indian – Chumash – Lakota – Aho
      • Premium Subsidy Now or Tax Time?
        • Tax Loss – Negative MAGI Income – Medi Cal? Subsidies?
      • Premium Subsidy to 600% FPL + Mandate Penalty?
        • Mandate Penalty California – MEC – QHP – 5000 A
          • 10 Reasons that you need Health Insurance
            • Medical Bankruptcy
          • Employer Mandate for Health Insurance ACA 4980 h
            • 6056 – w -2 – etc Reporting
              • ERISA Employee Retirement Income Security Act — 1974
              • HR – PEO Support ADP Payroll Services & Alternatives
            • FTE – ALE Full Time & Equivalent Employees
          • Health Sharing Ministries – Not Protected by Insurance Guarantees
          • Lawfully Present – Public Charge – Immigration Status
      • Subsidies Upheld – King v Burwell
      • Tax Credit Calculation? Complex Formula CFR 1.36 B-3 & ARPA
        • Affordable Health Coverage? 9.86% Family Glitch
        • Age 65 – Tax Credits?
    • Income Chart – Line 11 1040 Covered CA MAGI
      • Household Definition for Medi Cal – Who counts?
    • Report a Change – How & When – Especially Income
      • Conditional Eligibilty
      • Create Account for Covered CA from access code
        • Appoint us as your Covered CA Broker – No extra charge
      • Fudging the Income or Deductions?
        • Perjury – What is the definition?
        • What is hearsay? Someone else said on the phone? Gossip
      • Proof of Income – Accepted Documents
    • Table of Contents – Details of Income, Deductions & Expenses for MAGI
      • Alimony – From a Divorce Settlement
        • Child Support – Adoption – Tax Credit
          • Child Support – End – Military Service
        • Married – Must File Jointly, Single, etc? Filing Status?
      • Capital Gains & Dividends
        • Rental Income? Line 17 Home Mortgage Interest
          • 1031 Exchange – Investment Property – Rental Units
          • Tenant’s – Renters Rights
        • Sale of Home Capital Gains
      • Clergy – Housing Allowance?
        • Charitable Donations
        • Employee Business Expense Unreimbursed
      • Debt Cancellation? Foreclosure?
      • Educational Credits – Student Loan Interest
      • Gambling Income & Losses – Other Income Line 21
  • Metal Levels – Platinum, Gold, Bronze – Silver & Enhanced
    • Enhanced Silver 94, 87, 73 Cost-sharing reductions
    • HSA Health Savings Accounts
      • Employer Equal Contributions for employees?
    • OOP -Out of Pocket Maximum – Participating or Not? Deductibles & Co- Pays
      • Negotiated Rates – Balance Billing? Transparency
    • Provider – Doctor & Hospital Finder
      • Buy Travel & International Insurance – Geo Blue – Insubuy
        • Blue Shield PPO Out of State & Country
      • Doctor Lists MAPD, Medi Gap
        • Cedar’s Sinai Insurance Plans Accepted
        • Health Care Partners – Optum – Plans accepted – we can help
        • THIPA Torrance Memorial Hospital IPA
        • UCLA Medicare Advantage Plans Accepted?
      • Medicare Assignment – Doctor Participating or Not?
      • Narrow Lists? Fewer MD’s than before? Mirrored Plans?
        • Continuity of Care same doctor chronic illness if you change plans
        • Emergency Room – Obligation to treat uninsured patients
        • MD says they accept Blue Shield – must they?
  • Special Enrollment Periods Covered CA & Direct with Broker
• Appeal & Grievances? Medicare – Medi Cal – Covered CA
  • Grace Periods? NEVER get cancelled Non-Pay!!!
    • Never got bill? USPS Informed Delivery
  • Last Minute Application? When does coverage start? Competent Adults
  • Medical Necessity – reasonable and necessary Independent Medical Review
  • Plain Meaning Rule – Read the policy 3 times
    • EOC Evidence of Coverage Value and how to find
      • 30 Day Free Look – Right to view EOC
    • Maxims of Law – Proverbs
    • Unlawful Practise of Law
  • Res Judicata – Double Jeopardy – File two claims?
• Contact Us & License Info
  • 17 Reasons to use Steve Shorr Insurance
    • Biography – Steve Shorr
      • Lt. Paul S. Shorr US Army – Korea
      • Non Insurance Websites
        • Croatia July 2021
        • Princess Louise
        • Tennis Links
        • Web Design
          • Home Page Mock Up
          • Portfolio
    • Purchase Tutoring, Research & Education
    • Testimonials – “Yelp” Reviews
  • Set a Meeting
    • Meeting – Expectations – Terms of Service
      • Privacy Statement
        • Privacy – HIPAA
          • CA Privacy Laws
            • Right to review your Medical Records
          • Email Privacy
          • Telemarketing Harassment? Unsolicited Email?
        • Visitor Agreement
          • Records Retention?
• Employer Health Plans – Introduction
  • AB 1083 – PPACA – CA law to comply with Federal Law
    • 90 Day Maximum Waiting Period?
      • Late Enrollee – Triggers – Qualifying Events
    • Definitions Health Care Reform
      • EmployER Definition – Health Care Reform
        • 1099 vs Employee & Other Defintions
          • Telemarketing Training
        • EmployEE Definition
          • Dependent Definition – Up to Age 26 – Add newborn baby
            • Registered Domestic Partners – Spousal Health Coverage?
    • Insurance Company requirements AB 1083
      • Employer Group Association Plans – Trump’s Executive Order – CA prohibition
      • Health & Safety Code Requirements Insurance Companies must Follow!
    • Participation & Contribution Requirements
      • Documents to show bonafide Employer in business
        • Fictitious Business Name
      • Enforcement – Participation – Recertification – Actively @ Work
        • Actively @ Work Corona Virus Quarantine?
        • Why enroll in your Employers Group Health Plan?
      • Management Carve Outs
        • Common Ownership – Affiliated Companies – Corporations
        • Salary Discrimination §2716 – Not enforced
        • Similarly Situated Employees
      • Special Annual Open Enrollment – NO Rules!
  • Carriers – Companies
    • Aetna
    • Blue Cross – Anthem
      • Administrative, Renewal & Wellness Tools
      • Anthem Blue Cross Dental
    • Blue Shield
      • Administrative
      • Blue Shield Dental
    • California Choice – Multiple Companies ONE Bill
    • Health Net
      • Administrative, Wellness & Renewal Tools
    • Kaiser Permanente – New Enrollment
      • Administrative Tools & Info
    • Oscar
    • Sharp Health Plan
    • SHOP – Covered CA for Small Business
      • Dental
    • Sutter Health 2021
    • United Health Plan
      • Administration & Wellness
  • COBRA & California Cal-COBRA 36 months total coverage
  • Dental, Vision, Supplemental
    • Supplemental – Cancer
  • Quotes Employer Group – California – Instantly
    • Premium – Rating Factors
  • Tax Credits Small Business §45 R
    • IRC §106 Health Insurance Deduction for Employers & Employees
      • Schedule C – Self-Employment Income – Hobby? Office in home?
    • Section §105 -HRA Health Reimbursement
    • Section 125 – POP Plan Employee Contributions are Tax Deductible
      • §125 Cafeteria Plan – Full Benefit
• Individual & Family Health Insurance CA
  • Companies – Carriers
    • Blue Cross – Anthem
      • Blue Cross Dental
      • Grandfathered Plans – April 2020
        • Grand Fathered Plans What does that mean?
    • Blue Shield 2021 PPO & Trio
      • 2021 Trio HMO ACO
      • Blue Shield Dental & Vision
      • Member Portal – How to set yours up
    • Health Net 2021 Individual Information & Enroll
    • Kaiser Permanente
      • Kaiser Medical Financial Assistance Program (MFAP)
      • Pay Premium ONLINE? Member Services
    • LA Care – Medi Cal & Covered CA
    • Molina Health Care
    • Oscar Health Insurance
    • Sharp Health Plan
    • Sutter Health 2021
    • Western Health Advantage
  • Dental & Vision for Adults and Mandatory Pediatic as an essential benefit
    • Covered CA Dental
    • Dental Implants
    • Vision
• Life, Disability, Long Term Care & Retirement
  • Disability Income – Pay Check Protection
    • SDI State Disability Insurance
      • SDI for Business Owners
        • SBA CoronaVirus Loans
      • SDI State Disability Benefits Taxable?
      • Unemployment Compensation – Can’t find job – Corona Pandemic – Family Leave
        • Unemployment Compensation? MAGI Income?
  • Estate Planning
    • Estate & Gift Taxes
      • Coverdell Education Savings Account & 529
      • Gift Income? Covered CA MAGI? Taxable?
    • Living Trust – Bank Accounts?
      • Executor – Successor Trustee – What are the duties?
      • Sample – Example California Will – Where does your stuff go? Health Care Directive
        • Probate
        • Will Contests – Disinherit a child
      • Special Needs Trust
    • Proposition 13 Lower Property Tax on Inheritance
  • Life Insurance – Instant Quotes – Universal – Key Man Life
    • Find a lost or missing Life Insurance policy
      • Life Settlements – Sell your unwanted policy
    • Rated – Surcharged Policies
      • Final Expense – Almost Guaranteed Issue
  • Long Term Care Nursing & Home Health Care
    • §1035 Exchange of Annuities or Life Insurance for Long Term Care Planning
    • 7 Activities of Daily Living ADL
      • CA Law – Long Term Care
    • Employer Groups – Long Term Care
    • Medi Cal – Long Term Care & Nursing Home Estate Recovery – Strategic Planning
    • Tax Qualified LTC Policy
    • True Freedom – Home Health Care ONLY Coverage
  • Retirement Planning
    • Annuities & MAGI Income Taxation Exemption
      • Jackson National
      • Private Annuities
      • TSA-Teacher Retirement Plans – Tax Sheltered Annuities
        • Divorce & STRS – State Teachers Retirement Plan
    • Business – Employer Sponsored Retirement Plans
      • 401 K
        • FAQs
      • Secure Choice -CA State Run Retirement System
      • Selling and Valuation of an Insurance Practice?
      • SEP – Simplified Employee Pension
    • IRA – Individual Retirement Account
• Medi-Cal – CA Version of Medicaid
  • Contact Info – Enroll ONLINE Medi-Cal
    • Cal Fresh – SNAP – Food Stamps – WIC
    • Enroll ONLINE Los Angeles
  • Eligibility Criteria for Medi-Cal – MAGI Income
    • Aged and Disabled Federal Poverty Level Program
      • IHSS In Home Supportive Services
      • Part B Medicare Premium paid by Medi Cal
      • Share of Cost – Medically Needy – What is it?
      • Social Security Disability – SSDI
        • California Teachers & Social Security Disability
      • SSI – Supplemental Security Benefits – Automatic Medi Cal
        • DAC Disabled Adult Child – Keep Medi Cal – Retirement
          • Disabled Children – over 26 – stay on parents insurance
          • Representative Payee
    • Pregnant Women – Medi-Cal Eligibility – Breast & Cervical Cancer
      • Infertility
    • Release or kicked out Medi-Cal get Covered CA
  • Full Scope Medi-Cal – Benefits & Coverages
    • Denti Cal & Vision
    • Dual Coverage? Medi Cal, Employer Group, Individual & Medicare
    • HMO – Managed Care Providers
      • Cal Medi Connect – Medi-Cal & Medicare – Medi Medi Dual Eligible D SNP
  • Redetermination? Renewals? Verification
    • Bank Statement Review
• Medicare – Introduction
  • Fraud, Scams, Waste & Abuse
    • Risk Adjustment Fraud Bumping up illness to get more $$$
  • Medi Gap – Supplement Plans – non conical
    • Anthem Blue Cross
    • Blue Shield – Medi-Gap – Any Medicare Provider
    • Guaranteed Acceptance – Medi-Gap – Supplemental Plans
    • No more plan F? Only G? MACRA
  • Medicare Advantage Plans – Part C
    • Anthem MediBlue Plus
      • SNP Anthem Blue Cross
    • Blue Shield 65 Plus – Inspire HMO 2021
      • Dental & Vision
      • Provider Directories, Search Tools & Instructions
      • Trio Medicare – Blue Shield – Sacramento
    • Enrollment Dates for MAPD – Medicare Advantage
      • Residency – CA, USA – Which State?
        • Outside of USA – Meet Deadline – Web Visitor Q & A
    • Marketing Rules – Best Plan – SOC Scope of Appointment
      • Obscure Medicare Health Plans – Not in CA
        • Motion Picture Industry Pension & Health Plan
        • Northup Grumman Medicare Supplements? & LACERA
        • Veteran’s Benefits
    • Togetherness – Loneliness Social Determinants of Health
    • United Health Care
  • Part D Rx Prescriptions
    • Blue Cross Rx
    • Blue Shield Rx
    • Donut Hole – Coverage Gap
    • Maximus Appeals LEP Late Enrollment Penalty
      • Employer Credible Coverage
    • Premiums for those with High Income Parts D Rx & B Doctor Visits
    • Shop & Compare Tools Part D Rx
      • Part D Rx Low Income Subsidy – LIS – Extra Help
    • UHC – Part D Rx
  • Seminar – Medicare Information ONLINE
    • ONLINE Account for Medicare & Social Security
    • Original Medicare & Medi-Gap – Supplement vs Medicare Advantage MAPD
  • Single Payer Cal Care AB 1400 – Medicare for All? – Funding
  • What’s Covered in Part A Hospital & B Doctor Visits?
    • Chiropractic – Medicare A & B – MAPD
    • Dental under Medicare is very limited
    • Diabetes
    • Durable Medical Equipment
    • End Stage Renal – Kidney Failure
      • under 65 End Stage Renal can I buy an policy – ObamaCare, Covered CA, Health Care.gov – direct from Insurance Company?
    • Enroll ONLINE for Medicare Part A Hospital & B Doctor Visits
      • Part A Hospital rules for zero premium
        • LAUSD Medicare Qualification
      • Part B – Doctors – How to sign up – Benefits
        • Medicare need if covered by Employer Plan? Retiring?
          • Employer Deduction for Medicare Premiums?
        • Part B Late Enrollment Penalty
          • Ex Pats Medicare if not USA resident
    • Hearing Aids
    • Physical therapy – occupational speech
    • Skilled Nursing SNF & Home Health What Medicare Pays
      • Hospice Coverage – Medicare
• Site Map
• skilled nursing mass email
• Social Security – Retirement Benefits
  • How are Social Security retirement benefits taxed?
    • How are Social Security Benefits reduced if you are working?
    • Optimum Age to start taking benefits 62 – 70?
      • CPA take on Retirement
    • Social Security Benefits MAGI Income
  • Survivor – Death Benefits