Health Insurance

Consumers that do not get health insurance through their employer or a spouse’s employer generally have two options. 

1.) you can go directly to the insurance carrier or 

2.) they can go through an exchange, such as Covered CA, to see if they qualify for subsidized insurance. The path that is right for you will depend on a few things including your income, family size and doctors/specialists. In any case, we are licensed to offer private Individual plans and are certified through Covered CA to offer you a subsidized plan. For all other states, please inquire.

Things to consider about your Health Insurance Coverage:

Enrollment periods:

There is a yearly enrollment period that you’ll need to pay attention to. It is possible you may qualify for a Special Enrollment Period, so check with an agent in our office to confirm this.

Monthly Premiums:

Just like other insurance, you pay your premiums monthly. If you fail to pay your premiums, this can jeopardize your coverage if a medical emergency occurs and you need to use your health insurance.

How are health insurance premiums calculated?

The health care law says that insurance companies can only take five factors into account to calculate your health insurance premiums. Those are:

• Age
• Location (where you live)
• Tobacco usage
• Individual vs. Family Enrollment
• Plan category (how much coverage you want)

A personal health insurance plan from Sam Olson Insurance Services will help cover your medical expenses for medical, surgical and other hospital and doctor-billed expenses. Plans differ and some cover mental health, prescription drugs and dental expenses.  We will explain in detail the different options such as deductibles, co-pays and co-insurance to ensure you choose the right plan for your situation. Only you can decide what health insurance plan is right for you. So, call Sam Olson Insurance Services in Napa, CA to start your Health Insurance Policy.