Individuals and Families Open Enrollment for 2019 health insurance starts on November 1st and ends on December 15th. When you apply for a plan during this time, your coverage will start on January 1st. In Northern Nevada, there are three total insurance companies selling 2019 Reno health insurance plans to individuals and families. The three insurance… Read More


Anthem Cancels Grandfathered Plans Last year, Anthem notified all owners of Affordable Care Act plans that their Individual and Family Plans (IFP) coverage would be terminated on December 31st, 2017.  Only owners of policies whose coverage was effective prior to March 2013 (Grandfathered Plans) would continue to have coverage.  As Anthem cancels grandfathered plans, it… Read More


In 2014 the Affordable Care Act changed how we enroll in health insurance. They no longer base rates on health history. Instead, they now base the rates on your zip code and age. Health history makes no difference. This created a problem. How would you prevent someone from enrolling only when they needed to use… Read More


Health Plan of Nevada is owned by United HealthCare. They offer HMO options to individuals as well as businesses with small group health insurance plans. Unlike their sister company, Sierra Health and Life, Health Plan of Nevada only offers HMO plans. HMO stands for Health Maintenance Organization. Currently, Health Plan of Nevada’s plans requires members… Read More


Reno Medicare Advantage One of Washoe County’s most popular Reno Medicare Advantage companies is Prominence Health Plan. Prominence has recently decided to change a policy within their Advantage plan. It now allows members to see a specialist without a referral from their Primary Care Provider or PCP. This is good news for current members since… Read More


Small Business Health Insurance As a business owner or HR manager, small business health insurance is a daunting responsibility. To start a plan can be the toughest part, and once it’s up it can continue to be a challenge to manage. The reason for a health insurance broker is to have an advocate to ask… Read More


Healthcare.gov vs. Private Insurance We are happy to announce that every insurance company who is currently offering plans through Healthcare.gov will still be offering plans in 2017. During this 2016 plan year, we have helped our customers with plans from Anthem, Health Plan of Nevada, and Prominence. We can go directly to health insurance companies… Read More


Open Enrollment comes once a year, and it is your chance to make changes to your current health insurance policy or enroll in new coverage. Individuals and families have the option of electing a licensed broker to assist them with complex process of health insurance. Health Benefits Associates is a completely free service for insured members.… Read More


Reducing health insurance costs If you have ever had a job that offers health benefits, you know how difficult it is to make plan changes mid-year. Fortunately, business owners have more flexibility with policy modifications. As a business owner, there are options to modify your health insurance policy mid-year, reducing health insurance costs. With a… Read More


Do you live near the border of California and Nevada with a PPO health insurance policy? An out of state provider network may be a better option. If so, you may want to reconsider how as well as where you use your medical coverage. Most insurance companies will offer a stronger out of state provider… Read More