Health Care Reform

Kaiser Northwest Billing System Upgrade

What is changing?

Kaiser Permanente Northwest (Oregon and Washington) is updating their billing system, for Individuals and Family (KPIF) plan members who enroll through the Health Insurance Marketplace. As part of the new system:

  • Your premium bills, payment stubs, and online payment portal will have a new look.
  • We will have new contact information.

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Easy Obamacare Enrollment Process at

During the Busy Holiday Season, Americans Need a Reliable Online Application

In light of all the frustrations Americans have had with and Covered California, decided that now might be a good time to toot their horn and say, “Come over here for easy online enrollment.” Many Americans are feeling the time crunch of having to enroll for Obamacare while dealing with the busyness of the holidays. KQ uses US based programming companies and allows visitors to enroll online for exchange plans and government subsidies without having to go through the perils of the federal or the state run exchanges.

“If you’re looking to apply with Kaiser Permanente, don’t go to Covered California,” says CEO John Hansen. “Give us a chance. We have the lowest rates available and excellent customer service. You can calculate your subsidy, your rates and enroll online or over the phone without all the headaches of the over-used, buggy system of the state-run exchange.” uses Kaiser Permanente’s online enrollment system, which has less traffic and gives customers an easy online enrollment experience. With the deadline quickly approaching for January 1st enrollment, Americans need a reliable online application that won’t take too much time, especially during the busy holiday season. At, you can get quotes and calculate your subsidy in a couple of minutes, and you can enroll in a Kaiser Permanente exchange plan which will make you eligible for a government subsidy depending on your income.

Group or Individual Insurance: Which is right for you?

Couple in suits with baby
By Esmeralda Mercado

Is group or individual insurance best for you?

Many small businesses are pondering whether or not to offer health benefits. Below are some things to consider, whether you are the employer or an individual with/without group insurance:

Business Owners: What you need to know.
1. Most individuals are required to have health coverage in 2014, but businesses are not required to provide it. If you employ 50 or more full-time employees, you will be required to provide medical insurance in 2015.
2. Group rates may be cheaper than an individual & family plan in 2014. We suggest comparing your options. Read more »

Gen X and Healthcare Reform

By Thomas Cazneau

So, who are the “Generation Xers” and what do they expect from Healthcare Reform? Generally, these are those who were born between the early 1960’s to the early 1980’s. That would make them age 30-something to 50’ish today. Reports vary on what this generation looks like:
● According to The Social Librarian, “This was the first generation of ‘latchkey’ kids, exposed to lots of daycare and divorce… Gen X is often characterized by high levels of skepticism, ‘what’s in it for me’ attitudes… Gen Xers are arguably the best educated generation… (but) concerns run high over avoiding broken homes… and financial planning”.
● In contrast, CNN.Living reports that “Generation X is active, balanced and happy… a generation of technologically savvy, and adventurous pragmatists”.
● Finally, Forbes says that of all the generations, Gen X is experiencing the most financial hardship.

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Aetna and United Healthcare Leave IFP Market in California

By Thomas Cazneau

With the changing landscape of healthcare and the Affordable Care Act Individual Mandate just down the road, two leading health insurance carriers have announced they will no longer offer individual/family plans in California. Those carriers are Aetna and United Healthcare. Their decision to stop selling individual health plans in California will drastically affect current members in California. Part of this decision was attributed to “profit challenges”, two of the carriers reported.
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Reasons to Get Health Insurance before the Obamacare Mandate

On January 1, 2014, when the Obamacare mandate takes effect, most Americans will be required to purchase health insurance or else pay a penalty. Why wait? We say get medical protection now, before Healthcare Reform kicks in! Here’s why:

Enrolling now familiarizes you with health plan options.
With anything that involves change, it takes time to become familiarized with whatever the new thing is. Getting a health insurance plan before the Obamacare requirement will help you get acquainted with the types of policies that are available so you can figure out what you need and which benefits you are willing to do without. This will make the transition go more smoothly for you.

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The Basics of Health Insurance

By Thomas Cazneau

Understanding any new subject in school or college can feel like learning a new language. This can prove to be especially true when attempting to grasp the subject of health insurance.
Below are some of health insurance basics, which may help you gain a little bit more fluency on your journey to understanding health insurance coverage for you, for your family, or for your small business.

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Young Adults and the Affordable Care Act

By Thomas Cazneau

At the moment, health insurance may not seem like a hot priority. However, by January 1, 2014, most Americans must purchase a health insurance plan or else pay a penalty. This mandate includes young adults.

How Health Care For Young Adults Works Now
The Affordable Care Act goes into full effect on January 1, 2014. However certain parts of the legislation have already been put into place. Below are some of the aspects that currently affect health care for young adults:
• The Affordable Care Act makes it possible for those under age 26 to be insured as a dependent on their parent’s health insurance through work.
• New health insurance plans must now cover certain preventive services at no charge.

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From Healthy Families to Medi-Cal

By Thomas Cazneau

California is ending Healthy Families. This is due to a budget deal between Governor Brown and Democratic lawmakers. It’s designed to cut health insurance costs and save other health programs. At the moment, there are about 900,000 kids in the Healthy Families program. It is expected that moving all of these children to Medi-Cal will save $72 million a year by 2015.

Moving to Medi-Cal could be a bit of an uncertain journey based on the changes that need to be made. Below is information regarding how Medi-Cal affects families now and how it could affect children in 2014, the year when the Affordable Care Act goes into full effect.

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Baby Boomers and Healthcare Reform

By Thomas Cazneau

With January 1, 2014 around the corner, it’s easy to wonder how each generation will be affected by Healthcare Reform. Baby boomers (those born between 1946 and 1964), in particular, could experience significant changes to the healthcare system as the mandate goes into place. Below are current health statistics for many baby boomers, as well as aspects about Healthcare Reform that could particularly affect them.
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