Health insurance premiums are on the rise in California. Why you might ask?   It is certain that part of the reason is due to health care reform (PPACA) that has been enacted beginning in 2010.  In the year 2010 all carriers had to remove life time maximums and add no cost preventative benefits, hence many consumers realized a major increase in their monthly premiums to help cover the cost of these “new” benefits. With each year, until 2014, the remaining  mandates will be implemented.  We will most likely  continue to experience increases in monthly premiums over this time frame.

To reduce your current monthly premium at present or in the future,  call an Insurance Broker and review your current situation, it should take about 5 minutes initially. The Insurance Agent will determine if you can switch to another carrier, if it makes sense to move to an HSA or higher deductible plan or perhaps even form a small group plan if you have a small company with 2 or more people.  These are all very simple ways to reduce monthly premium and save significantly at times. 

Here at Novak and Company Insurance we work with clients to find health insurance the fits their needs and budget.  We  have access to all  plans currently on the market in the State  of California and the  expertise to guide them in the right direction.  Give us a call and let us do the work for you, with a mutual goal to save you money!