Welcome to Taylor Benefits, a leading independent group benefits and health insurance agent serving Arcata and Humboldt County for more than 20 years! On this page, you’ll find a brief summary of our services that we offer in the area, as well as some details about current health laws that apply to group benefits and how to find the best fit for you company. Here’s what we have available in Arcata:
Essential Health Benefits – Under the Affordable Care Act–also referred to as Obamacare–employee sponsored health plans must include certain coverages to be considered a qualifying option. (Including these essential benefits is a requirement if you hope to reap the financial incentives for offering an employer-sponsored health plan.) There are 10 categories of coverage that fall under essential health benefits:
To learn more about the 10 essential benefits under the Affordable Care Act, click here for a more in-depth explanation from the AARP website.
Health Savings Account (HSA) – An HSA is an excellent option to offer savings to both groups and individuals within a plan structure. An HSA is essentially a tax-exempt account that can be used to pay for qualified medical expenses like deductibles, copays and out-of-pocket healthcare expenses. One of the advantages of an HSA is that any money left in the account at the end of the year will roll over to the next year so that it can still be used.
Strategy & Selection – One of the true advantages of working with an independent agent is that they are not tied to any specific plan or carrier. At Taylor Benefits, we work with every major health insurance carrier in California to offer you the most choice and flexibility in your benefits package. We take into account the details of your business–from plan design to your financial goals–to formulate a customized group benefits option that is designed to fit your employees, your company and your industry. We offer a FREE annual policy review during renewal and are happy to offer guidance and suggestions regarding legal and compliance issues.
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