Welcome to Solid Health Insurance Services!
At Solid Health Insurance Services, we believe that the most important thing for you, and those you care about, your family and your employees, is to have affordable health insurance in California.
Our mission is to find you affordable health insurance by comparing the rates from carriers such as Anthem, Blue Shield, Kaiser Permanente, Cigna, Health Net inside and outside the California State Health Insurance Exchange, Covered California.
We believe that affordable life insurance and long term care insurance will protect your family from unexpected life events. We provide you with affordable life and long term care insurance comparison quotes with carriers such as Transamerica, Allianz, Genworth, ING and other carriers.
What does solid mean? It means that your health, life, home and business are adequately insured. We want to make sure that your hard-earned assets are protected, so that you can concentrate on achieving your family dreams and financial and business goals.
Our mission is to find affordable health insurance, life insurance and long term care insurance, which best fits your individual, family and small business needs!
Covered California’s Platinum Metal Plan for 2017
Life Insurance with John Hancock
Covered California’s Gold Metal Plan for 2017
Covered California’s Silver Metal Plan for 2017
Covered California’s Bronze Metal Plan for 2017
Picking Insurance is Difficult
Biography of Barbara Kempen
Business ExpertBarbara’s strong sense of organization and hard work has allowed her to be a successful business expert in Los Angeles for 25 years.
HandlingAfter handling the insurance matters for a manufacturing company for 5 years, Barbara founded Solid Health Insurance Agency in 2008 and enjoys serving her community ever since.
Personal ApproachHer clients enjoy her very personal approach to find the best insurance package for them. Her consultative approach helps the client to understand the many different choices and helps to find a “solid” plan.
10 Tips to Find Affordable Health Insurance in the Affordable Care Act (aka Obamacare)
TIP # 1 - Shop the insurance market - on and off the State Health Insurance Exchange- Covered California
Tip #2 - Will I qualify for a financial subsidy?
Many Americans will qualify for a federal subsidy to pay for their health insurance premium, which depends on their modified adjusted gross income (MAGI). Individuals and families earning up to 400% of the Federal Poverty Level will be eligible to qualify for a federal subsidy. The Federal Subsidy depends on your family size and modified adjusted gross income, to calculate please use the federal subsidy calculator.
If your modified annual gross income (MAGI) is in between 139% and 250% of the Federal Poverty Level (FPL) the Silver Plans are offering next to the subsidy also a cost share reductions towards co-payments, co-insurance and out-of pocket maximum.
Tip #3 - Will my doctor and hospital be in the network?
Tip #4 - How will the insurance premium vary in California?
a) Geography : There are 19 regions in California, each rating area will have their own cost of care applied
b) Age: Rates based on age will differ by no more than a 3:1 ratio. In the past this ration was 5:1 or higher. The 3:1 ratio says that the cost of the highest age may be no more than three times the cost of a young adult. We expect that the rates for young adults will increase.
c) Family Size
In determining a family’s total cost, all adults (subscriber, spouse, adult children) age 21 and above are rated separately under family coverage, and only the three oldest children who are under age 21 will be rated in the total family premium.
d) Rate guarantee:
Rates for health plans are guaranteed for a full calendar year, or the duration of the calendar year for special enrollment. Rate adjustments due to age changes can only occur during open enrollment or special enrollment periods.
TIP # 5 Do not use out-of-network doctors
TIP #6 - Pay for Brand Prescription
TIP #7 - Go into Higher Deductible Plans - or Limited Doctor Visits
TIP #8 - Add Supplemental Insurance
TIP #9 - Always Read the Out-Of-Pocket Maximum
Inside the Networks of an Insurance Carrier’s Health Plan, Platinum Plans have a maximum out-of-pocket limit for an individual of $3,350, for a family of $6,700. Gold plans have an out-of-pocket maximum of $6,000 for an individual, $12,000 for a family while the Silver and Bronze Plans have an out-of-pocket maximum of $7,000 for an individual, $14,000 for a family.
Outside the Networks of an Insurance Carrier’s Health Plan, the out-of pocket maximum can be considerably higher.
Tip #10 - Contact Solid Health Insurance Service - Your Insurance Agent
Call 310-909-6135 for Free Quote
We look forward to building a solid relationship with you.
Please contact us at:
Solid Health Insurance Service
CA Licence # 0G05625
Barbara G. Kempen
11620 Wilshire Blvd Ste. #900
Los Angeles, CA 900265