Tag Archives: Affordable Care Act

Health Insurance Open Enrollment Ends Soon


Open Enrollment for health insurance ends January 31, 2017. This is the deadline to change or get health insurance.

Please call Integrity First today @ (805) 495-1122. We can help find the best coverage available for the lowest premium.  We can help with Covered California, the marketplace exchange, or direct.  You may eligible for a subsidy to help pay your health insurance.  We offer Anthem Blue Cross, Blue Shield of California, Kaiser Permanente and more.

After January 31, 2017 you will need a special exception to buy medical insurance. If you do not have medical insurance there will be a fee/penalty.

The fee for not having health insurance in 2016 & 2017

The fee is calculated 2 different ways – as a percentage of your household income, and per person. You’ll pay whichever is higher.

Percentage of income

2.5% of household income
Maximum: Total yearly premium for the national average price of a Bronze plan sold through the Marketplace
Per person

$695 per adult
$347.50 per child under 18
Maximum: $2,085

Please call us today @ (805) 495-1122

Understanding Car Safety Ratings


Although newer vehicles are generally more expensive to insure than older ones, consumers can often get discounts if their new vehicles have the latest safety features. Advances in crash and accident avoidance technology mean that consumers who buy a new vehicle equipped with the latest safety features are often less likely to be seriously injured in a car crash.

Safety ratings are a function of two major factors: prevention—how well the vehicle is designed to prevent an accident—and, crashworthiness—how well the vehicle performs in a crash.

The Insurance Institute for Highway Safety ranks its Top Safety Picks based on good, acceptable, marginal or poor performance in high-speed front and side crash tests, a rollover test, and evaluations of seat / head restraints for protection against neck injuries during rear impacts. Crash tests are conducted on a half-dozen types of vehicles, including large cars, mid-sized cars, small cars, minivans, mid-size SUVs, and small SUVs. You can also visit the National Highway Traffic Safety Administration website for a full report on recalls and defects.

Currently, some of the top-rated safety features are:

  • Adaptive front airbags
  • Side airbags
  • Side curtain airbags
  • Knee airbags
  • Electronic stability control
  • Anti-lock braking systems
  • Brake assist
  • Tire pressure monitors
  • Back-up sensors
  • Park assist
  • Blind-spot warning
  • Lane departure warning
  • Forward-collision warning
  • Smart headlights
  • Crash-alert systems (such as OnStar)
  • Built-in car seats

Technology is ever-improving, and, as time goes by, manufacturers and the government are standardizing these features. Doing your homework ahead of time and knowing what your options are can make the decision-making process smoother and get you into that new car faster!

Insurance 101 for College Students … And Parents Too

college-student-insuranceMoving away from home to go to college is an exciting time for most kids. It’s their first real taste of independence, but this newfound freedom also comes with increased responsibility.

Mom and dad aren’t around anymore to nag you about the hours you spend on your smartphone or to wake you up for school in the morning, but this also means they aren’t there to fix problems either. What, for example, would you do if someone were to steal your precious smartphone?

Students can easily get swept away in the excitement and bustle of the college social scene, forgetting that not everyone they meet at school has the best of intentions. Crime exists in most communities, and college life is no exception. According to the FBI, 97 percent of crimes reported by college students in 2012 were property crimes and a whopping 41 percent of these crimes occurred on campus grounds.

Students bring many pricey belongings from home – electronics like laptops, smart phones, tablets, televisions and gaming systems are common dorm room items. They may also have a skateboard, bike, vehicle or combination of all of the above.

Another on-campus threat to personal property is fires. Firefighters responded to an average of 3,870 college housing structure fires per year1. These fires caused an annual average of $15 million in personal property damage and losses.

So, how can you protect your belongings while you’re away at school? The first step is to check with your insurance agent to see if your stuff is covered under your homeowners insurance policy. Some policies, like those offered by Mercury Insurance, will extend coverage to college students living away from home.

Another option is to purchase renter’s insurance. Renter’s insurance is designed to protect property owners in the event that their belongings are stolen or damaged in a fire. It will also provide liability coverage in the event someone is injured while visiting your apartment or dorm room.

To maximize your college experience, here are a few tips to protect personal property:

Cover personal belongings with an insurance policy. Students who live on-campus may have coverage available through their parents’ homeowner’s policy. Some companies have policy options that extend personal property coverage for students away from home. Students living off-campus may not be covered by their parents’ policy and should look into purchasing renters insurance.
Create an inventory. Record the value of all personal property to determine the right amount of coverage needed in the event of a loss.
Always lock doors. Talk to roommates and make sure to communicate the importance of securing personal belongings.
Conceal valuables. Never leave electronics or other valuables out in plain sight, and do not advertise their presence on social media.
Secure valuable electronics, like TVs and laptops, to stable fixtures with locking mounts in your room so they can’t be easily removed. Also, protect personal electronics with passwords to guard accessibility and discourage theft.
Use a bicycle lock when you’re out and about or for added security while on-campus. Steel and titanium locks are difficult to cut and provide thieves with a challenge. Reinforcing these locks with cable locks, which can be threaded through wheels, will provide extra security.
Install or activate an alarm if you have a vehicle on-campus. Insurance companies frequently offer discounts for vehicles equipped with anti-theft devices. Students with good grades – at least a B average – may be eligible for an additional discount as well.
Ensure your auto insurance is up-to-date. Coverage for vehicles left at home while in school should be maintained to protect the vehicle from theft or any damage that may occur while it is parked. This will also protect you if you forget to notify your agent to add coverage back to your vehicle when you return.

Consult with your local Mercury agent to learn more about renters insurance and they’ll help build the protection plan that best suits your needs.

The bottom line: with greater independence, comes greater responsibility.

1 The National Fire Protection Association reports this annual average occurred during the five-year period from 2009-2013.

Health Insurance Open Enrollment Thousand Oaks CA

Health Insurance Open Enrollment is Almost Here!

Integrity First helps with Covered California open enrollment starting November 1st.

Health insurance open enrollment begins on November 1st for 2016 and will run through January 31st, 2016.

The researchers found 36 percent of uninsured Californians don’t understand that federal tax subsidies to offset the monthly cost of insurance are available for eligible customers. The survey was conducted for Covered California and randomly sampled about 2,200 legal state residents ages 18 to 34.

The Affordable Care Act requires most Americans to get health insurance or face a tax penalty. Every year, the tax penalty will increase. In 2016, the fine for no health insurance coverage is 2.5% of your yearly household income or $695 per person, $347.50 per child under 18. The maximum penalty is the national average premium for a Bronze plan. So why not get insured?

At Integrity First Insurance, located in Thousand Oaks, California, we can help you select the right Covered California health insurance plans.  As an independent insurance agency, we offer a variety of plans which can be tailored to your needs and budget though Covered California Insurance Exchange or outside the exchange. Contact us today to get started!

What Happens If I Miss Open Enrollment?

Your Next Steps After The Deadline Passes

February 15th is not just the day many people will wake up in a panic because they forget to do something special for their sweethearts on Valentine’s Day. It also marks the day that open enrollment ends. Under the Affordable Care Act, individuals and families have been able to secure healthcare in the marketplace since November 15th, 2014 and will be able to do so until the 15th of February. If you fail to secure coverage by that date, you have two options.

  1. Qualify For A Special Enrollment Period: If you have experienced major changes in your life (e.g. getting married or divorced, having or adopting a child, moving to a new state), you might be able to get an extension on your enrollment period. These qualifying life events or loss of coverage through your work can yield a sixty-day extension from the date of the qualifying life event.
  2. Pay The Penalty Fee & Secure Short Term Insurance: If you miss the open enrollment period and do not have a qualifying life event enabling you to secure an extension, you will face a penalty fee when you file your 2015 taxes. For 2015 the fee is 2% of your household income or $325 per adult ($162.50 per child), whichever is greater. You will not be able to secure a marketplace healthcare plan, but you may be able to secure short term insurance to save yourself from significant out of pocket expenses until the next open enrollment period begins.

Fortunately, you still have a little over a week to secure coverage before the upcoming open enrollment deadline! Contact Integrity First Insurance in Thousand Oaks, California for all of your Conejo Valley health insurance needs. Get started by securing a quick and easy quote today!

Important Information About Open Enrollment

Open Enrollment Deadlines and Information

With the recent changes to health insurance, we understand the difficulty Americans may face in navigating the Affordable Care Act and ObamaCare guidelines. At Integrity First Insurance Services, we want to the make the process as smooth as possible, so we have gathered some useful information for you to properly acquire health insurance coverage for the New Year.

Open Enrollment Deadlines

The Open Enrollment period is open from November 15th, 2014 until February 15th, 2015. During this period you can sign up for a new healthcare plan or you can update your existing plan to fit any new needs you may have. After this period, you cannot sign up for healthcare though the Marketplace until the Open Enrollment of the next year.

Penalties: Health insurance is mandatory, if you do not sign up for health care coverage, you may be subjected to a fine. The penalty is 2% of your annual household income, or $325 per each adult in your household and $162.50 per each child under 18, whichever is more. This penalty fee appears on your federal income tax return for the year you do not have coverage.

Exceptions: You may qualify for a Special Enrollment period if you have had a significant life changing event occur, such as a marriage, divorce, the birth of a child, etc. There are also some exceptions that will allow you to avoid the fine if you do not invest in a policy. Some of these situations include:

  • If you are a member of a federally recognized health care sharing ministry.
  • If you are a member of a federally recognized religious sect that has religious objections to insurance, including Medicare and Social Security.
  • If you qualify for a hardship exemption.
  • If you do not have health insurance coverage for less than 3 months out of the year.
  • If the lowest price health coverage that is available to you will cost more than 8 percent of your total household income.
  • If you do not have to file a federal income tax return because your total income is too low.
  • If you are eligible for health services through an Indian Health Services provider or are a member of a federally recognized tribe.

For all of your health insurance needs throughout the Conejo Valley, contact the insurance professionals at Integrity First Insurance Services in Thousand Oaks, California. Please call our certified agent, Jason Mayling for any questions or concerns you may have about your health insurance coverage for next year.