By Esmeralda Mercado
The company I work for offers health benefits with Kaiser Permanente. Recently, we learned that California businesses which are currently insured by Kaiser for group health insurance may be able to switch plans effective January 2012, if they qualify. This is a big deal for people who want to lower their premiums and those who want to synchronize their benefits with the deductible reset in January. To switch plans during the limited Special Open Enrollment period, two of the main qualifiers are that the plan switch has to be to a downgraded plan and the paperwork needs to be turned in by the December 15, 2011 deadline.
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