DC & Associates Insurance Services

09/22/2022

As we enter open enrollment season, we want to remind you that we are here to help. We have recently launched an HR Division with a specialist heading the department. Current clients receive 3 hours of FREE HR advice per month. All others can utilize the HR Department at an hourly rate or subscription per month.

Want to know more, feel free to call our Human Resource Specialist, Shannon Candelario, MSHR at (877) 659-2106, ext. 13 for more information.

11/17/2020

We, the coaches of the West Coast Coaches Alliance, represent coaches from Washington, Oregon and California. We organized ourselves in November of 2020 as we seek to build a unified, bipartisan, and nonviolent movement to advocate for student-athletes to return to play! We ask that the lawmake

08/30/2017

Will you be subject to a penalty at tax time?

Recently the IRS has signaled that it is going to move ahead with enforcement of both the individual mandate and the employer shared responsibility mandate. ( Employers with 50+ employees.)

The president signed an Executive Order Minimizing the Economic Burden of the Patient Protection and Affordable Care Act Pending Repeal (January 20, 2017) that directed federal agencies to exercise the authority and discretion permitted to them by law to reduce potential burden imposed by the ACA. However, this Executive Order does not change the law; the legislative provisions of the ACA are still in force...taxpayers are still required to follow the law, including the requirement to have minimum essential coverage for each month.

08/19/2017

https://www.youtube.com/watch?v=fodxnrDBDlM&index=6&list=PLCFmr5cEGdHC-POvN_fZnOKeXt4upu-Yb

Covered California for Small Business is a new approach to offering health coverage that puts you in control of your health insurance budget while allowing y...

08/19/2017

https://www.youtube.com/watch?v=jTB67mDXY9E&list=PLCFmr5cEGdHC-POvN_fZnOKeXt4upu-Yb&index=7

08/18/2017

COVERED CALIFORNIA
Open Enrollment Period Begins November 1, 2017

Mark your calender! The Covered California Open Enrollment Period for 2018 coverage will run from Wednesday, November 1, 2017 through Wednesday, January 31, 2018.

08/09/2017

Check back with Dc & Assoc for strategies to minimize the impact of these coming increases...we can help!

At a recent meeting in Sacramento, Covered California announced that insurance plans under the Affordable Care Act will rise an average of 12.5 percent. Officials also said Anthem, a major insurance carrier will also stop offering plans in most of the state.

08/01/2017

ANTHEM JUST ANNOUNCED IT WILL DISCONTINUE MANY CALIFORNIA INDIVIDUAL PLANS IN 2018

HOW WILL THIS AFFECT YOUR COVERAGE?

Next year, Anthem will offer plans in three regions of Northern California only, which will include Redding, Santa Clara County, and Stockton/Modesto.

It's important to note that these changes do not immediately impact the benefits of Anthem members currently enrolled in their Individual health plans. They can use their health benefits without interruption until the end of the year.

This decision does not affect those who have employer-provided insurance, those with Medicare Advantage, Medicare Supplement, Medi-Cal or those enrolled in "grandfathered" plans (plans purchased before March 2010). Additional information and resources for members affected by changes to their 2018 health care coverage are available at Anthem.com/CaliforniaChanges.

CHECK IN WITH US NOW TO FIND OUT YOUR OPTIONS FOR OPEN ENROLLMENT 2018!

Affordable Care Act Update: Due to uncertainty in the market, Anthem will discontinue many Affordable Care Act (ACA) individual health plans in California starting January 1, 2018. Nothing will change for 2017.

08/01/2017

COVERED CALIF ANNOUNCES RATE INCREASE FOR 2018

Covered California Releases 2018 Rates with an average weighted rate change of 12.5 percent...
All 11 health insurance companies will return to the Covered California market in 2018, however, ANTHEM WILL BE LEAVING SOME CALIFORNIA COMMUNITIES THAT MAKE UP ABOUT HALF OF ITS ENROLLMENT. IF YOUR ENROLLED IN AN ANTHEM COVERED CALIFORNIA PLAN BE SURE THEY WILL BE AVAILABLE IN YOUR AREA FOR 2018. ALL US TO HELP YOU FIND THE RIGHT COVERAGE!

07/28/2017

President Donald Trump and Republicans in Congress have committed to repealing and replacing the Affordable Care Act (ACA). How many proposals have been considered in 2017?

The Health Care Freedom Act, 2017
The Better Care Reconciliation Act of 2017
Obamacare Repeal Reconciliation Act of 2017
The Better Care Reconciliation Act of 2017 (Incl Cruz amendment)
The American Health Care Act, as passed by the House of Representatives on May 4, 2017

07/16/2017

WHAT TO DO WITH LEFT OVER FSA DOLLARS....
So some of you have a flexible spending accounts (FSA). You love using this tax-advantage plan to help manage your out-of-pocket medical costs. But, what happens if you have money left in the FSA account by the time year-end rolls around?

Q. Can an employer give those employees back their unused withholdings as taxable income?

A. No. An employer can’t return an individual’s withholdings to them if they have leftover money in their FSA at the end of the plan year.

A health FSA will have leftover money, or experience gains, if salary withholdings along with employer contributions exceed health FSA reimbursement for that plan year. These experience gains are also called forfeitures because they’re the result of participants forfeit unused FSA balances under the use-or-lose rule.

Find out how employers can help employees avoid losing those unused dollars in part 2 of this post...

Check back with DC & Associates Insurance services regularly for updates on FSA legislative rule changes and FSA compliance help...