The CHIC Blog
📰 Coverage News for California Employers and Families
Short, plain-English updates from a licensed agent serving all of California. What changed, what it means for you, and what to ask before your plan renews.
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What Does Critical Illness Insurance Pay For?
It pays a one-time lump sum directly to you on a first diagnosis of a covered condition like cancer, heart attack or stroke.
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Are Accident Insurance Payouts Taxable?
Generally not, when you pay the premiums with after-tax dollars. The cash goes straight to you.
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What Is Fixed Indemnity Insurance?
Fixed indemnity pays you a set cash amount for covered care like doctor visits, no matter what your health plan pays.
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Does a State of Emergency Let Me Enroll in Health Insurance Outside Open Enrollment?
Often, yes. A declared emergency in your area can open a Special Enrollment Period, usually for a limited time.
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Who Qualifies for Medi-Cal in California?
Medi-Cal eligibility is mostly based on household size and income, and self-employed owners with low net income can qualify.
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How Do Covered California Subsidies Work?
Subsidies work like a monthly discount on your premium, based on a sliding scale of household size and income.
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Can Self-Employed Californians Get Help Paying for Covered California?
Yes. Self-employed owners, individuals and families can qualify for financial help based on household size and net income.
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Are Small Business Health Insurance Premiums Tax Deductible?
Generally, yes. Employer-paid premiums are usually a deductible business expense, and some small employers may also qualify for a tax credit.
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Do Part-Time Employees Count Toward the 50-Employee Limit?
Yes, through their hours. Part-time hours are added up and converted into full-time equivalents.
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When Is Employer Health Insurance Mandatory in California?
Under federal rules, offering qualifying coverage becomes a requirement once a business reaches 50 full-time equivalent employees.
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Articles are general information, not an offer of coverage or legal or tax advice.
👋 About This Blog
I’m Matthew Reilly, a licensed health and life insurance agent serving all of California in English and Spanish. I write here so you can spot changes before they cost you.
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