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Californians have until January 31, 2016 (Sunday) to obtain health insurance. At least that was the deadline until Friday (January 29) when Covered California extended enrollment until midnight February 6. There is a catch. To take advantage of the extended deadline you must have started the enrollment process by midnight on January 31. READ MORE >>

Optional Dental Coverage for Adults. Covered California, the health insurance marketplace set up by the State of California to enable the Patient Protection and Affordable Care Act (ACA), also known as ObamaCare, will offer dental coverage for adults for the first time in 2016.  READ MORE >>

If you currently have health insurance through Covered California, you are now at the beginning of the brief annual open enrollment period during which you are free to review the options available to you and change your policy and coverage if you wish. The open enrollment period runs for three months, from November 1, 2015 to January 31, 2016. READ MORE >>

Open Enrollment Period.  Beginning on November 1, 2015, Californians who do not currently have health insurance can enroll for coverage through Covered California, the California health insurance exchange established under the Affordable Care Act (aka, ObamaCare). READ MORE >>

The old saw, "if it's not one thing it's another," is alive and well in California as we rebound from drought induced wildfires to potential El Niño induced flooding. It was only a few weeks ago that we were concerned about wildfires and the ability of insurance customers to process and collect claims. READ MORE >>

Ideally, the insurance industry reacts to actual social needs. If there is a risk that has become pervasive in society, then there should be an insurance product that offers protection against that risk. Flood, fire, theft. All genuine risks. All subject to amelioration through the tried and tested means of insurance. READ MORE >>

The U.S. Census Bureau recently (September 2015) released figures showing the percentage of persons without health insurance coverage by metropolitan area and by state for 2014. Among the 25 largest metropolitan areas in the United States, the San Francisco metro area (which includes Oakland and San Jose) ranked fifth for the smallest uninsured population. READ MORE >>

Bed and Breakfast businesses can represent unique investment and business opportunities for the right kind of entrepreneur. According to the Professional Association of Innkeepers International, the leading B&B organization in the United States, the trait most characteristic of B&B owners is their love of people. READ MORE >>

I'm Off to College -- I've Got My Laptop, My Books, My Music ... and Renter's Insurance School is in session again. Perhaps this is your first year in college. Perhaps you are resolutely heading back for year seven. You may be living in a dorm or you may be sharing a fourth floor walk-up with a few friends. READ MORE >>

Covered California recently (July 27, 2015) announced insurance premiums for individual health insurance policies to be applicable in 2016. Rates will increase an average of 4.0 percent compared to 2015. This rate of increase compares favorably to the 4. READ MORE >>

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