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KimAnh Insurances & Tax LLC. Covered California Certified Insurances Agent
It's never too early to protect your family

COVERED CALIFORNIA 2027 — DOES THE WHOLE FAMILY HAVE TO BE ON THE SAME TYPE OF HEALTH COVERAGE?💙 KimAnh explains: Not ne...
10/08/2026

COVERED CALIFORNIA 2027 — DOES THE WHOLE FAMILY HAVE TO BE ON THE SAME TYPE OF HEALTH COVERAGE?

💙 KimAnh explains: Not necessarily.

In some families, the parents may qualify for coverage through Covered California while the children may qualify for Medi-Cal.

That can happen because each family member is evaluated individually based on factors such as age, household income, and other eligibility rules.

✅ One application can be used to check eligibility for both programs.
✅ Parents may qualify for Covered California while children qualify for Medi-Cal.
✅ Review the eligibility result for each family member before making coverage decisions.

📌 KimAnh’s reminder: If a child qualifies for Medi-Cal but the family chooses to buy a Covered California plan for that child instead, financial help generally may not be available for that child’s premium.

☎️ KimAnh provides no-cost Covered California enrollment and renewal assistance in both English and Vietnamese.

KimAnh Insurance & Tax
📞 (209) 662-4158
CA Insurance License

RENEWAL IS OPEN🚨 Covered California 2027 Renewal Is Already OpenIf you already have Covered California, do not just let ...
10/05/2026

RENEWAL IS OPEN

🚨 Covered California 2027 Renewal Is Already Open

If you already have Covered California, do not just let your plan automatically renew without reviewing it first.

Why? Because for 2027:

* Premiums and plan prices can change
* Your financial help may change if your income changed
* Your doctor or hospital may no longer be in the same network
* Your prescriptions may be covered differently
* Your household information may need to be updated

Covered California officially opened renewal for current members on October 1. Open Enrollment for everyone begins November 1.

Before you renew, check:

✔️ 2027 estimated household income
✔️ Household size
✔️ Address and contact information
✔️ Doctors and hospitals
✔️ Prescription medications
✔️ Monthly premium and deductible

If nothing changed, your current plan may still work well for you. But if something changed, this is your opportunity to compare before renewing.

📌 Important: Using outdated income or household information can affect your financial help and may also affect your taxes later.

Need help reviewing your 2027 options?

KimAnh Insurance & Tax
📞 (209) 662-4158
Vietnamese & English
No-cost Covered California enrollment assistance
CA Insurance License

I’M RETIRED. WHY DID MY MEDICARE PREMIUM GO UP?”A client came into our office with that exact question.He had already re...
08/20/2026

I’M RETIRED. WHY DID MY MEDICARE PREMIUM GO UP?”

A client came into our office with that exact question.

He had already retired.

One year, he needed money and withdrew approximately:

$100,000 from a retirement account.

During that same year, he also sold a rental property.

At the time, he was thinking about taxes.

He was NOT thinking about Medicare.

Two years later, he received a notice from Social Security.

His Medicare premiums were higher because of IRMAA.

He looked at me and said:

“KimAnh, I’m retired. Why are they charging me more?”

That is when we discussed the Medicare two-year lookback.

A large taxable withdrawal from a Traditional IRA or 401(k) can increase taxable income.

Selling rental property may also produce taxable capital gain and, depending on the property, depreciation-related tax consequences.

When several large taxable events happen in the same year, your MAGI can increase enough to affect future Medicare IRMAA.

He said something I hear often:

“If I had known, I would have asked before doing everything in the same year.”

That is the lesson.

Before taking a large IRA withdrawal, doing a Roth conversion or selling investment property, don’t only ask:

“How much tax will I owe?”

Also ask:

“Could this affect my Medicare premiums two years from now?”

Sometimes the transaction still makes financial sense.

Sometimes accepting one year of IRMAA is part of a larger strategy.

The important thing is to know before you act, rather than finding out from a Medicare notice two years later.

KimAnh Insurance & Tax
8142 West Lane, Suite 120
Stockton, CA 95210
(209) 662-4158

General Medicare and tax information only. Taxable gains, retirement distributions and IRMAA depend on each person’s individual circumstances. Consult the appropriate tax or financial professional before making major financial decisions.

WHAT IS IRMAA?WHY IS MY MEDICARE PREMIUM HIGHER THAN SOMEONE ELSE’S?You may be paying something called:IRMAA — Income-Re...
08/19/2026

WHAT IS IRMAA?

WHY IS MY MEDICARE PREMIUM HIGHER THAN SOMEONE ELSE’S?

You may be paying something called:

IRMAA — Income-Related Monthly Adjustment Amount

In simple terms:

IRMAA is an additional amount added to Medicare Part B and Part D when your income is above certain limits.

And here is the part that surprises many retirees:

Social Security generally looks at your income from two years earlier.

For example:

2026 Medicare IRMAA generally looks at your 2024 tax information.

That means you might be retired today and earning much less, but Medicare could still be looking at a year when your income was much higher.

Things that can affect your MAGI may include:

Wages
Business income
Taxable IRA or 401(k) withdrawals
Roth conversions
Capital gains
Dividends and interest
Tax-exempt interest

IRMAA is not a penalty.

And it is generally recalculated each year.

If your income decreased because of certain qualifying life-changing events, such as retirement or reduced work hours, you may be able to ask Social Security to reconsider your IRMAA using Form SSA-44.

Before making a large financial move in retirement, think about BOTH taxes and Medicare.

A decision that affects your taxable income today may affect your Medicare premiums later.

KimAnh NguyenChau
CA Lic.
(209) 662-4158

KimAnh Insurance & Tax
8142 West Lane, Suite 120
Stockton, CA 95210

General Medicare and tax information only. This is not individualized tax, investment, legal or financial advice

MEDICARE PART D 2027 — WHAT IS ACTUALLY CHANGING?You may have seen headlines saying that the government is “cutting Medi...
08/18/2026

MEDICARE PART D 2027 — WHAT IS ACTUALLY CHANGING?

You may have seen headlines saying that the government is “cutting Medicare Part D subsidies.”

Some seniors are understandably asking:

“Does this mean Medicare Part D is going away?”

No.

Medicare Part D is continuing.

What is changing is a temporary premium-stabilization program that helped limit premium increases for certain standalone Part D plans.

That temporary program ends after 2026.

As a result, premiums for some Part D plans may change in 2027.

That does NOT mean everyone will pay the same amount.

Your actual premium depends on the plan you select, where you live, your income and whether you qualify for assistance.

The more important question for 2027 is:

What happens to MY plan?

When 2027 plan information becomes available, review:

Your monthly premium.
Your deductible.
Copays and coinsurance.
Whether your medications remain on the formulary.
Whether your pharmacy remains preferred.
Any utilization rules that affect your prescriptions.

Don’t change plans based on a headline.

Review your own medications and your own plan.

KimAnh & Kellie will continue sharing Medicare 2027 updates as official plan information becomes available.

KimAnh Insurance & Tax
(209) 662-4158

General Medicare information only. Prescription coverage, premiums, formularies, pharmacy networks and costs vary by plan.

“$150 OTC EVERY MONTH? IS THAT REAL OR A SCAM?”This one came directly from a conversation in our office.A client already...
08/16/2026

“$150 OTC EVERY MONTH? IS THAT REAL OR A SCAM?”

This one came directly from a conversation in our office.

A client already had:

Medicare Part A + Part B
and
full Medi-Cal

She had heard:

“If you switch to Medicare Advantage, you might get around $150 in OTC benefits every month.”

Instead of getting excited, she became nervous.

She asked:

“Why would they give me that much?”

“Is this a scam?”

And most importantly:

“If I join Medicare Advantage, will I lose my Medi-Cal?”

We explained something very important:

An OTC allowance can be a legitimate benefit offered by some Medicare Advantage or D-SNP plans.

But an OTC allowance is not cash.

The amount, eligible products, frequency and rules depend on the individual plan.

And enrolling in Medicare Advantage does not automatically cancel Medi-Cal.

But that does NOT mean someone should switch plans just because they hear “$150 OTC.”

Before considering a plan, check:

Your doctors.
Your medications.
Your hospital.
Your pharmacy.
Your network.
Your costs.
Your Medi-Cal status.
And whether the plan coordinates appropriately with your coverage.

I told the client:

“The $150 OTC may be nice. But the most important benefit is having coverage that works with your doctors, medications and healthcare needs.”

Don’t change because someone tells you their plan gives them more benefits.

And don’t be afraid to learn about an option because it sounds “too good to be true.”

Ask questions. Verify the benefits. Understand the rules. Then decide.

KimAnh NguyenChau — CA Lic.
(209) 662-4158

Kellie Huong Tran — CA Lic.
(209) 679-5753

General Medicare information only. OTC benefits, costs, provider networks, drug coverage and eligibility vary by plan and individual. No enrollment or plan change is required.

ORIGINAL MEDICARE VS. MEDICARE ADVANTAGE — A REAL-LIFE WAY TO LOOK AT IT“MY FRIEND SAYS MEDICARE ADVANTAGE IS BETTER. SH...
08/16/2026

ORIGINAL MEDICARE VS. MEDICARE ADVANTAGE — A REAL-LIFE WAY TO LOOK AT IT

“MY FRIEND SAYS MEDICARE ADVANTAGE IS BETTER. SHOULD I CHANGE?”

This is a question we hear often.

But the better question is:

“Which option fits ME better?”

With Original Medicare, you generally have broad access to doctors and hospitals that accept Medicare.

But Original Medicare Part A and Part B do not have an annual out-of-pocket maximum.

Some people choose Medigap to help with certain costs Original Medicare does not pay, and prescription drug coverage is generally obtained separately through Part D.

With Medicare Advantage, you still have Medicare, but you receive your Part A and Part B benefits through a Medicare-approved private plan.

Many Medicare Advantage plans also include prescription drug coverage and may include additional benefits.

But depending on the plan, you may need to consider:

Is my doctor in the network?
Is my hospital in the network?
Are my medications covered?
Does the plan require prior authorization for certain services?
What are the copays and coinsurance?
What is my annual maximum out-of-pocket?

And if you already have Medigap, understand your Medigap rights before giving it up. Your ability to purchase Medigap again later can depend on timing, state rules and your individual circumstances.

There is no single Medicare choice that is best for everyone.

Don’t choose a plan because your neighbor loves it.

Your neighbor may have different doctors, medications, medical conditions and financial needs.

Understand first. Decide second.

KimAnh Insurance & Tax
(209) 662-4158

General Medicare information only. Benefits, costs, provider networks, prescription coverage and eligibility vary by plan and individual.

THE $202.90 PART B PREMIUM — SOME PEOPLE MAY QUALIFY FOR HELPIS $202.90 BEING DEDUCTED FROM YOUR SOCIAL SECURITY CHECK E...
08/15/2026

THE $202.90 PART B PREMIUM — SOME PEOPLE MAY QUALIFY FOR HELP

IS $202.90 BEING DEDUCTED FROM YOUR SOCIAL SECURITY CHECK EVERY MONTH FOR MEDICARE PART B?

Here is a real example from our office.

A client receives approximately:

$981 per month from Social Security

Medicare Part B premium:

-$202.90 per month

That leaves approximately:

$778.10

For a senior living on a limited income, $202.90 every month can make a big difference.

What many people do not know is that there are programs called:

MEDICARE SAVINGS PROGRAMS — MSP

If you qualify, a Medicare Savings Program may help pay your Medicare Part B premium.

The programs include:

QMB — Qualified Medicare Beneficiary
May help with the Part B premium and certain Medicare deductibles, copays and coinsurance.

SLMB — Specified Low-Income Medicare Beneficiary
Helps qualifying individuals pay the Part B premium.

QI — Qualifying Individual
Also helps qualifying individuals pay the Part B premium.

Qualifying for certain Medicare Savings Programs can also provide automatic eligibility for Extra Help with Medicare prescription drug costs.

But this is important:

Receiving $981 per month does NOT automatically mean someone qualifies.

Eligibility depends on income, household circumstances, Medi-Cal status and other current program requirements.

So if Medicare Part B is being deducted from your Social Security check and money is tight, don’t assume you make too much to qualify. Check.

KimAnh NguyenChau — CA Lic.
(209) 662-4158

Kellie Huong Tran — CA Lic.
(209) 679-5753

KimAnh Insurance & Tax
8142 West Lane, Suite 120
Stockton, CA 95210

General Medicare information only. Eligibility for Medicare Savings Programs is determined by the appropriate government agency.

MEDICARE HELP MADE SIMPLEMEDICARE HELP MADE SIMPLE — UNDERSTANDING MEDICARE DOESN’T HAVE TO BE CONFUSINGMany people have...
08/14/2026

MEDICARE HELP MADE SIMPLE

MEDICARE HELP MADE SIMPLE — UNDERSTANDING MEDICARE DOESN’T HAVE TO BE CONFUSING

Many people have Medicare but still have questions:

What is the difference between Part A and Part B?
What is Medicare Advantage?
How do Medicare and Medi-Cal work together?
How are prescription drugs covered?
Do I need to change my Medicare coverage every year?

The important thing to remember is that Medicare is not one-size-fits-all.

Before considering any change, understand your:

• Doctors
• Prescription medications
• Costs
• Pharmacy
• Current coverage
• Personal healthcare needs

At KimAnh Insurance & Tax, KimAnh and Kellie help explain Medicare in simple, easy-to-understand language so you can better understand the choices available to you.

Free Medicare Information Session in English
Every Saturday
2:00 PM–3:00 PM

KimAnh Insurance & Tax
8142 West Lane, Suite 120
Stockton, CA 95210

KimAnh NguyenChau — CA Lic.
(209) 662-4158

Kellie Huong Tran — CA Lic.
(209) 679-5753

Medicare Help Made Simple

General Medicare information only. No enrollment or plan change is required. Benefits, costs and eligibility vary by plan and individual.

Bạn có biết? OBBB cho phép khấu trừ TIỀN TIP 🎁trong năm 2025 Theo OBBB:Nhân viên có thể khấu trừ tối đa $25,000 tiền tip...
01/25/2026

Bạn có biết?

OBBB cho phép khấu trừ TIỀN TIP

🎁trong năm 2025 Theo OBBB:
Nhân viên có thể khấu trừ tối đa $25,000 tiền tip hợp lệ

✅Áp dụng cho ngành nail, nhà hàng, dịch vụ
✅Chỉ hợp lệ nếu tip được khai & ghi nhận đúng

❌Tip tiền mặt không khai → ❌ KHÔNG được khấu trừ

* Payroll & bookkeeping cực kỳ quan trọng từ 2025.

👀Cần setup đúng ngay từ đầu?

Nếu cần tư vấn hãy gọi cho vp KimAnh👇👇👇

Address

8142 WEST Lane SUITE 120
Stockton, CA
95210

Opening Hours

Monday 10am - 5pm
Tuesday 10am - 5pm
Wednesday 10am - 5pm
Thursday 10am - 5pm
Friday 10am - 5pm
Saturday 10am - 5pm

Telephone

+12096364578

Website

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