Sacramento county is booming.
All the bay area people keep moving over to find affordable housing.
If only we could say the same for health insurance!
Sacramento is no shelter financially from what is going on in the health insurance market.
There are some strategies though to use in order to find the best health insurance in Sacramento.
First, we need to understand the marketplace.
It's really three markets!
Determine which one fits your needs and then jump to that section:
Almost 20 years exclusively with Sacramento and the surrounding area in health insurance doesn't hurt.
That's 1000's of people who found the best value.
Let's look at some of the tips we learned along the way.
Keep in mind that by Sacramento, we mean the general area including Roseville, Rocklin, and all the surrounding area.
They share a common footprint when it comes to health insurance.
Remember, jump to your area above since it's really different in each segment.
We'll start with individuals and families in Sacramento.
Quick overview of Sacramento individual family market
These are the options available to individuals and families in Sacramento:
A few important notes.
There's a small wrinkle here at the Silver level due to changes made by Washington but otherwise, that's the case.
Open Enrollment and SEP's
With either Covered Ca or off-exchange, we have to enroll during Open Enrollment which is usually Nov 1st - Jan 31st.
Otherwise, we need a special enrollment period trigger.
The most common are:
So the first question is whether we can enroll right now in Sacramento.
If we can't, then it's probably short term health insurance or health sharing to get us out to Open Enrollment.
You can quote Sacramento short term health insurance here.
Health sharing is not insurance but offers an option if we can't enroll or if it's too expensive for the standard plans.
You can quote Sacramento health sharing plans here.
If we CAN enroll now, let's look at the big deciding factor.
Tax credits for Sacramento health insurance.
This is really the main jist of the ACA health care law (Obamacare).
Finding the best plan starts with this question...
Do I qualify for tax credits through Covered Ca?
It's a question of these two elements primarily:
We can help you with this calculation.
You can also run your Sacramento health insurance quote WITH tax credits here:
Make sure to enter your household size and income estimate.
Call us at 866-486-6551 or email with questions.
Once we determine that we can enroll and whether we'll be eligible for a tax credit, let's then look at the best health carriers available in Sacramento.
So...who do we have in the greater Sacramento area for individuals and families?
Here are the carriers available both in Covered Ca and off-exchange:
If you pick Kaiser, you must stay within their network and they operate as an HMO.
If you want access to other providers such as Sutter or Davis, then you would look at one of the other providers.
When you run your Sacramento individual family quote below, you can click on provider search under any of the plans.
Sometimes it's best just to ask your doctor's office what â€œCovered Californiaâ€ plans they take.
Even if going off exchange, use that language since they all know this branding and you'll get the correct information.
If you're eligible for a tax credit, it will apply the same to any of the Sacramento carriers.
Just call 866-486-6551 or email.
You can also request the application through your online Sacramento health quote.
Once we've figured out our carrier preference, what about health plans.
Which is the best plan in Sacramento?
We looked at the carriers.
Now, what about the best plans in Sacramento?
It's best to walk through your situtation with an expert (us!!) but here are some important tips.
When you run your health quote here and enter your household size and income, you may notice that the on-exchange Silver plans have lower deductibles ($650 or $75).
That means you may qualify for the Silver 87 or 94.
Very rich versions of the Silver plan for the same price of the normal Silver ($2500 deductible).
Keep in mind this offer is available across the different Sacramento carriers.
Again, check with us because the income/household calculation can be confusing.
We can help!
There's no cost for help at 866-486-6551 or by email.
One note...you can still get the Bronze plan for a lower cost but the best option may be the Enhanced Silver!
Then it's back to the basics to find the best health plan.
A few tips on finding best health plan rate and value:
These tips can go a long away towards picking the best plan.
If only it were that easy.
Again, feel free to run your situation by us.
It's what we do all day long!
This is easy. And Online!
You can quickly run your individual and family health quote here.
Choose on-exchange first.
If you're eligible for a tax credit or enhanced Silver plans, you'll see it up top.
You can adjust your income easily from the quote page.
What if you need to enroll?
This is where we can really help.
Right though the quote, you can request to apply for a given plan.
Feel free to reach out to us regarding enroll in Sacramento health insurance here.
This is where we shine!
We have helped businesses in the greater Sacramento area navigate the group health market with skill, experience, and as an end result...with savings!
Of course we're happy to help you understand the best options available to your company at 800 or by email but some general guidance.
You can jump to one of the following sections:
Let's get a sense of the market first.
Some rules are at a state-level or even Federal level so let's tackle those first.
General eligibility for Sacramento companies:
So...those are the hard rules but don't fret.
If you have a special situation, check with us first or run your quote and let us know.
We'll choose the carriers to meet your specs.
There may be tax credits available to companies that offer health benefits to their employees.
If you have the following:
Let us know!
Make a note of that in the group health quote form so we can research further.
Keep in mind that group health benefits are 100% deductible to the employer!
In a tight labor market, that can be a big deal.
Let's move on to the next piece of the puzzle which is unique to the Sacramento area.
Let's look at the best Sacramento carriers for employer health plans.
The market is much broader than what we find on the individual family market!
Top carriers for Sacramento group health benefits:
These carriers make up the vast majority of the group health market.
So what's the best approach?
The greater Sacramento area is tricky.
Kaiser is so dominant.
We can mix and match Kaiser offerings with another carrier.
For example, we can offer Kaiser plans alongside United plans.
It's called a Kaiser Wrap.
To think that insurance can be creative!
This is by far the most popular approach.
We can even base the company contribution on one plan from either carrier.
Our worksheet will then show the net cost to the employee after this amount for any Kaiser or other carrier plan.
We'll discuss that more below in how to pick the best Sacramento group health plan.
Speaking of which...
As we mentioned above, let's look at this a different way.
How about we pick our ideal budget and then let the employee pick whatever plan they want.
We can still protect our budget.
Here's how we structure it:
Control + Flexibility
You have total control over your budget.
The employees have total flexibility over plan benefits
It's as close as we get to nirvana in group health benefits.
We can also research Sacramento doctors for you in the calculation.
Feel free to ask us any questions on how to structure this.
There's no cost our assistance at 866-486-6551 or by email.
This is very easy.
You can access the employer health quote request here.
You can add dependents to quote them as well (do not need to contribute towards dependents)
Make special notes on Kaiser needs, budgetary goals, hospital choice, etc
We generally turn the quote around in 24-48 hours.
We'll quote the entire field unless you specify a carrier to see who is best priced in Sacramento.
With lots of hand holding!
We make enrollment as easy as it can be.
Generally, this is needed to enroll for Sacramento companies:
Each carrier has different rules but we'll walk you through the entire process.
We're not kidding.
Since we're local Sacramento employer health agents, we can do this!
Run your group health quote here
Lots of good news here.
We have entire articles on picking the best Medicare option in Sacramento but let's hit the highlights.
You can jump to any section:
First, the overview.
As with all things health insurance in the greater Sacramento area, Medicare is a tale of two cities.
Kaiser versus everyone else.
Kaiser is HMO only so if you want a supplement that can be used with any Medicare contracted doctors, that would be one of the other carriers.
We'll discuss this in the carrier section more fully.
In general, there are 3 parts of Medicare:
We can help you with eligibility and timing to make sure you're all set.
Just call us at 866-486-6551 or by email.
There's no cost for us as licensed Medicare supplement agents in the greater Sacramento area.
What type of plans are available in the area?
We have two main types of plans available in Sacramento:
Advantage plans are more managed, cost less in premium, but share more of the out of pocket for medical expenses.
This is really the first question for Sacramento seniors.
We're happy to walk through the differences at no cost to you.
Let's look at the carriers.
On one hand, we have Kaiser
On the other hand, we have everyone else!
That's just a function of health insurance in the Sacramento county area.
These are the main carriers:
You can quote all these
Medicare supplement Sacramento carriers here.
For supplements, Anthem's Innovative F plan has been very popular as it's priced really well AND includes additional benefits such as vision and hearing aids.
It's easy to quote medicare supplements or Advantage HMO plans in Sacramento.
Just click right here:
Enter your zip code, date of birth, and eff date.
You'll see all the plans and options by different carriers available.
We're happy to help you compare the plans for you.
There's no cost for our assistance at 866-486-6551 or by email.
We make this process easy.
Once you have selected your desired plan, we'll walk you through the entire process.
Make sure to enroll prior to the 1st of the month you want the coverage to begin.
You can request application right through quote above.
We've given you a lot to consider above.
We then look at benefits versus cost trade-offs.
Of course, we want to take advantage of tax credits if available to us.
Health insurance in our area is just as tricky anywhere else.
There's ZERO cost for our assistance.
Feel free to run any questions by us at 866-486-6551 or by email.
How can we help?
"Thank you so much getting the family enrolled. We started this much too late! Thanks again"
"I had no idea what I was doing online and you got us through this. Thanks and we'll talk next open enrollment"
"Tom, I really appreciate your guidance on the employee benefit plan. Can't believe we've knocked 10% off the premium with a plan that was there all along"
"Great job and great staff. Very impressed with knowledge of the ACA law for company insurance"
"I really appreciate your fast turn around on the countless issues we've had this month. Can't imagine dealing with the carrier direct!"
"Great work! Seriously removed a boatload of stress from my plate (to be filled up with other stress I'm sure!)"
"Your agency has continuously gone to bat for our company over the years with employer health care and I can't thank you enough"
"So relieved this is all done. You've really exceeded my expectations!"
15 years experience in the Sacramento, Roseville, and Rocklin health insurance market for both companies and individuals. Our service to you is UNMATCHED
We are licensed California agents and certified Covered California agents with knowledge of the local health insurance market and carriers.
We will run quotes across the entire Sacramento market to find the best health insurance value for you866-486-6551
This web site is owned and maintained by RiverRock Insurance Services which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone numbers that appear throughout this site belong to RiverRock Insurance Services, and cannot be used to contact Covered California.