Actually - the guide to deciding which plan works in any market (those options are available nationwide).
Using our decision guide could save you thousands on health insurance - assuming you pick the right combination of tax-credits, subsidies, and exchanges.
If it's still unclear - send me a message, and I can help you navigate for your state.
We don't assume all startups are in California, we just have the best dataset for CA (since that is where we operate). We look forward to showing analyses like this for other states as information becomes available.
The other potential effect is that startups continue to spend the same amount of money - but purchase lower benefit levels e.g., move to $5-10K maximums from $2-3K maximums.
Currently in most states - small group plans are already "guaranteed issue" - which means that you will get covered, regardless of pre-existing conditions.
We have insured hundreds of customers with pre-existing conditions under California's current guaranteed issue rules . These are the same rules that are going into effect nationwide for individuals.
Startups benefits don't have to suck! Our company has worked with dozens of startups to provide amazing benefits - for usually less than 3-4% of employee salaries.
We can be both your broker, software, and strong point of contact. We act as an "extended HR" for our customers - any issues they have with bills, insurance companies, or doctors - we help them navigate.
My contact info is in my profile - feel free to reach me, and I will get your company set up.
This is a very insightful article - BUT - you're paying way too much for health insurance.
Shoot me an email (contact info in profile) or check out http://www.simplyinsured.com - assuming you have 2-3 people on your team, we can save you thousands. I'm looking at quotes right now for fantastic insurance at around $150-$250/person.
Starting in 2014 - it will be illegal to have lifetime caps on health insurance. Also limits on "essential services" will be illegal. They are loosely defined as:
- Emergency services
- Prescription drugs
- Mental and behavioral health, and substance abuse treatment
- Preventive, wellness, and chronic disease management
- Pediatric services
- Maternity and newborn care
Excluding based on pre-existing conditions will also be illegal starting in 2014. Until then - California has a health plan for pre-existing conditions here: http://www.pcip.ca.gov/Home/default.aspx and you can find information for all state here: https://www.pcip.gov/
Worst Case is calculated using a simulated "catastrophic illness" - a combination of surgery, expensive drugs, emergency care, and hospitalization.
The costs we calculated are yearly estimates - assuming you stay with the same plan, and they don't/can't raise your rates or cancel your plan - this estimate should hold for chronic illness.
We can estimate costs for specific chronic illnesses - click the "Personalize" button on the left side of the result page. You can select the specific chronic condition you're worried about, and it will provide a customized estimate.
My contact info is my profile - feel free to call/email if you have further questions.
We did a case study here - if that helps: http://blog.hellosign.com/simplyinsured-leverages-esignature...