Monthly Archive: October 2013

What is a Medical Insurance Exchange?

Shop for Healthcare at Exchange

A Medical Insurance Exchange is an online marketplace where people can compare policies side by side, and buy health insurance.  The public exchanges allow applicants to determine whether they qualify for government subsidies.
For 2014, open enrollment started October 1st, and runs through March 31st.  Coverage begins in January, 2014.

The affordable health care act requires almost all Americans to have health insurance, or pay a penalty to the government.  The penalty starts at $95 in 2014, but increases to at least $695 by 2016.  In the public exchanges, premium subsidies are available for individuals earning up to $46,000 annually, and for families, premium subsidies are available with incomes up to $94,200.

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Agents Help Consumers in Complex Health Insurance Marketplace

KatieandLarryCookPhotoMany insurance agents in California are taking the time to participate in training regarding the public health insurance marketplace.  Agents are continuing to serve clients with expert advice on health insurance plans that will be available in the individual and group marketplace.  Agents will provide assistance and service beyond just enrolling for a health insurance plan.

Consumers benefit from the expertise that brokers and agents provide in servicing the plan throughout the year.  Insurance agents are helping to reduce confusion among consumers in how the Affordable Health Care Act will affect them.  Agents can help small business owners understand the cost and requirements under the law and what plans will be available to their businesses.  Agents need to be involved, or costumer service could be missing in the health care reform effort.  We would like to offer the opportunity to be of service to you.

For more information on how we can assist you in the health insurance marketplace, please contact Larry Cook at, and/or 858-361-0734, or Katie Cook at, and/or 858-361-0735.  Please also feel free to visit the health insurance dedicated website or send an email to

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