Health insurance companies orange county ca – Solana Insurance Services
Hubie Laugharn
Obamacare (PPACA)
I am writing this letter to inform you of some of the changes that are coming starting January, 1 of 2014 because of Obamacare.

All of our information is based on what we know right now and is subject to change.

All the carriers will be changing their plan designs to comply with the mandates of Obamacare. These plans are called the “medal” plans. Bronze, Silver, Gold and Platinum.

The Bronze plan will be the least expensive and the Platinum will be the most expensive. The Bronze plan will require the individual to pay for 40% of the medical cost up to $6,350, $12,700 for a family and the Platinum plan, 10% of cost up to $4,000/$8,000 family. California will be implementing their exchange called Covered California. You will be able to purchase your medal plans in or out of the exchange, however, the exchange is for those individuals and small groups that qualify for financial assistance.

S.H.O.P. within the exchange, is where small businesses, (50 or less EEs) will be able to purchase plans on the exchange, however, it has been delayed until next year. Those guidelines are being developed now, but we think that if you are an individual making between $14,000 to $45,960—up to $94,200 for a family of 4, you could look to the exchange for aid. This aid will come in many forms; partial premium tax relief, co-pay help, deductible help as well.

We feel that your health insurance premiums will go up because of several reasons:

1) Guaranteed issued-no pre-existing conditions

2) Maternity on all policies

3) Medical Ratios are going to be capped at 3:1. Currently they are 7:1. Meaning a sick, elderly person’s premiums can only be 3 times the amount of young, healthy people, which means that young, healthier people will have significantly increased premiums (Up estimated to 47%)

4) A $65 charge to the feds for “future” research.

5) No limit to coverage

There will be an “open-enrollment” starting October 1 of this year. It will run until March, 31 of 2014. After that, the open-enrollment will start on October 1 and run until December 31 of each year. If you don’t purchase your healthcare during these times you will be taxed/penalized. In 2014, the tax/penalty will be $95 or 1% of you income. 2015–$325 or 2%, and 2016 and thereafter will be $695 or 2.5%. And remember, you still will not have health coverage so you will be responsible for you care. Solana will be able to assist you in or out of the exchange. If you have any questions please call me or Maria. We will keep you informed as we all get closer to the start of next year. If you know of someone who works for a small or large company, please tell them that Solana has a way of by-passing most of the “mandate” that will be imposed on these companies which will help keep their plan designs and control the cost of those plans.

We would appreciate it if you would email Maria at maria(at) so we can enter you in our data base and keep you informed via the email.


Also find out more about how Solana Insurance Services can help you with health insurance services for your small business in and around orange county california. Click Here —For more information on comprehensive employee benefits packages and employee Life insurance, give us a call today! 949-675-1920

Employee receives Free cash value life insurance along with Free cancer policy, Free critical illness policy, Free accident policy, Free disability policy, Free deductible plans, Free hospital indemnity policy!!! Employer receives a tax savings from $222 to $477 per employee.

Thank you,

Hubie Laugharn

Health insurance companies orange county ca
Solana Insurance Services
3700 Newport Blvd, # 309
Newport Beach, CA 92663
(949) 675-1920

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