This blog was last updated May 2022
While there are many areas in life that we may be involved in on your own, or do it yourself, some tasks require experience that we may not have. One such option is to find and choose the best health insurance plan for ourselves or our families.
Additionally, small business owners often need to find the best plan options to offer their employees. The truth is that most people are not experts in health insurance coverage.
This is why getting help and guidance from a reputable health insurance expert can be so important and beneficial.
Of course, in California it is relatively easy for individuals to purchase a health plan for themselves or for their families and themselves. However, the options are so diverse, and the differences between the different plans so complex, that it is quite possible to settle for a plan that is far from best suited to your needs.
All this is the reason to have an experienced and experienced insurance agent like JC Lewis Insurance It can make the difference between a substandard health plan and finding the best solution for your health insurance needs.
For health insurance, California North Bay residents have J.C. Lewis insurance
One advantage of health insurance plan options for those who live in California is that employees do not have to accept plans offered by their employers. If you choose to opt out of your company’s plan offerings, you can, if you prefer, shop directly with health insurance providers or through a state health exchange known as Covered California.
However, what you will likely find is that the choices can be overwhelming.
California, for example, covered Currently it works With 13 different health insurance providers, each offers several plans in at least four different categories known as Platinum, Gold, Silver, and Bronze plans. This does not take into account the options for catastrophic plans and short-term plans.
Most individuals looking to purchase a health insurance plan are concerned about affordability of course, but also about adequate coverage and availability of services. These factors are difficult to identify without extensive knowledge of the industry.
The truth is that the health insurance industry is complex and constantly changing. Additionally, there are timelines to comply with and restrictions based on income and geography.
The good news is that for California North Bay residents, JC Lewis insurance is available to help individuals and business owners navigate the “troubled seas” of health care coverage.
Why you should be insured if you live in California
Most adults are familiar with the passage of Affordable Care Act (ACA) in 2010. Commonly referred to as Obamacare, one provision of the legislation was the individual mandate. This was a requirement for all eligible citizens to obtain health insurance or be subject to a tax fine.
As of 2019, Obamacare’s individual mandate is essentially repealed and no longer in effect at the federal level. However, a few states, such as California, have implemented their own version of individual mandate.
California Franchise Tax Board (FTB) impose a penalty For lack of health insurance greater than 2.5 percent of a household’s annual income or a fixed amount of $750 per adult and $375 per child in the household. These numbers may increase each year based on inflation.
While these numbers may seem acceptable to some who may feel they don’t want to buy insurance, the average household income in North Bay is about $120,000. That would amount to an annual fine of approximately $3,000 per year.
Four Reasons to Choose J.C. Lewis Health Insurance in California
Life presents us all with a series of choices, some more difficult than others. Finding and choosing a health insurance plan ranks among the most important decisions many people have to make.
If you are an employee and your company offers a solid benefits package including health insurance plan options, the decision is often simply to choose one plan over another. But if you’re a business owner trying to understand the different terms and requirements for group coverage, or you’re an individual who needs to find a plan on your own, it may be helpful to have a company like JC Lewis Insurance help you through the process.
There are many good reasons to choose us to help you health insurance Needs, here are four of the most important reasons.
We help you through the process
At JC Lewis, the health insurance selection process for both individuals and small business owners It is something we have decades of experience with. And our expert team of agents is well equipped to help you through the process, no matter what your needs.
We understand, for example, that a priority for many individuals and families when considering the bewildering variety of different health insurance plans available is to find one that fits your needs and budget.
As experienced agents, we can work with you with confidence to compare plan details, explain fees and pricing, as well as explain any complex features or unfamiliar words in simple terms.
Our agents can also walk you through the process to determine if you qualify for benefits on individual or family coverage insurance in Covered California. We will also make recommendations for plans that we think could be the best option for you or you and your family.
A JC Lewis agent will also take the time to assist you through the policy application process, as well as handle any delays or other technical issues to help smooth the purchasing process for you.
We have access to options
Another reason to choose JC Lewis Insurance for your health insurance needs is to take advantage of our extensive access to leading health insurance companies licensed to do business in California.
As certified California insurance agents and brokers, we have access to a variety of types of health insurance plans and carriers. This means, among other things, that as an individual or a small business owner, you can take advantage of the wide range of options that we can provide, and as a result, you can find a health care coverage plan that is best suited to your needs, all of which are a huge benefit to you.
We can get you the best coverage at the right cost
In the more than a decade since the Affordable Care Act was implemented, the nation has seen changes in average monthly premium costs for health insurance. While some saw significant cost reductions from taking advantage of federal tax benefits applicable to those eligible for these programs, others had the opposite.
according to One sourceAnd the
“Obamacare more than doubled health insurance costs for workers and families, with the average national insurance premium increasing 129 percent from 2013 to 2019.”
The same article notes that health insurance premiums vary due to plan differences including the range of benefits covered, patient cost-sharing levels, participating provider teams, as well as differences in enrollee age and location, among other metrics.
At JC Lewis Insurance, one of the facts we understand well is that there is no “one size fits all” plan that will fit your health care needs, regardless of affordability.
We can help you get the best coverage at an affordable cost, but this also ensures that you get the right coverage at the right price.
We provide personalized service
In an increasingly impersonal “online” and virtual society, the value and benefits of face-to-face service and assistance are more valuable than ever.
When you work with JC Lewis Insurance, you won’t be browsing through complex website portals or automated phone assistants. You will be working face-to-face with someone who not only knows the area, but also the best health insurance providers in our area.
Personalized service means we can answer all your questions in person, whether those questions are about which health plans could be better Fit your needsor plans that will provide the most benefits to your employees at the lowest costs.
Personal service also means that we take a personal interest in you and your needs.
Your first local choice of health insurance in California
At JC Lewis Insurance, we want to be your insurance partner and offer only high-quality health insurance plans from leading health insurance companies licensed to do business in the states in which we operate.
We are a family owned and operated health insurance agency located in Sonoma County, California. As specialists in finding and managing medical insurance plans for individuals, families and small businesses, we are authorized and approved by every insurance company we represent.
In addition, we help provide coverage for seniors through Medicare supplement plans and prescription medications.
Finding the right health insurance plan in California can be difficult and there are many options to choose from. For example, if your employer does not offer health benefits, the Individual or family plan It may be the best choice for you or you and your family.
And if you a small business owner If you want to start offering health insurance options to your employees, we are ready to help and answer any questions you may have.
At JC Lewis Insurance, we understand that when considering different health insurance options for you and your family, or your workers, there are likely to be many questions and concerns. We invite you to bring Questions about health coverage Insurance is ours and you can rest assured that JC Lewis Insurance Services will help you find the right solutions for your health insurance needs.