About · Stories From the Field
📖 Why I Ask Everyone to Check Their Coverage Every Year
I'm Matthew Reilly, a licensed health and life insurance agent serving all of California. The hardest part of my job is showing people how much can change in one year. These are the stories I see again and again. Which one sounds like you? Tap it.
🎯 The easiest January is the one you plan in October.Families
Last year I asked people to take one look before their plan rolled over. Plenty told me, "I'm fine, I'll let it renew."
Then the window closed, and my phone rang. The plan they woke up with was not the plan they thought they had. By then, most of their choices had to wait for the next open enrollment.
Most people I help want one thing: no surprises. What would it be worth to know in advance exactly what you're renewing into?
One call. We go through it together.
📅 Pick a Time to See What Your Plan Becomes in January💼 The owners who look before renewal walk in already knowing.Employers
Every company I meet wants to protect its revenue. Then the group plan renews on its own. The team finds out what changed after it's already in place, and the owner hears about it all year.
Nobody chose that plan. It rolled over.
Most owners I talk with would rather decide than find out. What would your team say if you had looked first?
One call. We go through it together.
📊 Pick a Time to Get Your Plan Compared Before It Renews🧩 Self-employed? One comparison answers a question most owners never ask.Self-Employed
I meet a lot of self-employed owners who carry an individual or family plan and have never checked whether a group plan would fit them. Many California small businesses can start one with a single W-2 employee besides the owner. Eligibility depends on the carrier and your setup. See what changes with your first employee →
For some, group coverage is the stronger fit. For others, it isn't. The only way to know is to set the two side by side. How premiums are treated at tax time is a question for your tax advisor.
Which would you rather be: sure, or guessing?
One call. We go through it together.
📋 Pick a Time to See If a Group Plan Fits Your Business💡 What you file in April starts with a choice you make now.Tax Time
California asks about health coverage on your state tax return, and going without it can mean a state tax penalty.
Every year I also meet people who qualified for financial help and never checked, so they never received it. See how eligibility works →
Both are avoidable with one look. What would it mean to file next April with nothing to explain?
One call. We go through it together.
✅ Pick a Time to Find Out What You Qualify For🔄 I do this every day, and the rules still change on me every year.Everyone
Right when I think I have it figured out, there's a new rule, a new law, a new something.
If it moves that much for someone who works in it daily, how would anyone keep up alone? That is why I check every plan every year, including the ones that were right last year.
When did someone last look at yours?
One call. We go through it together.
🩺 Pick a Time to Get Your Coverage Checked Before It Renews