Insurance News

  • DOL Releases Updated Model Employer CHIP Notice August 7, 2018
    The U.S. Department of Labor (DOL) has updated its model notice for employers to provide information on eligibility for premium assistance under Medicaid or the Children's Health Insurance Program (CHIP). This notice is generally updated twice a year.
  • New Expiration Date for Certain Model FMLA Notices is Aug. 31 August 2, 2018
    The U.S. Department of Labor's Wage and Hour Division (WHD) has extended the effective date for some of its model FMLA notices through August 31, 2018.
  • Protect Your Business Against Spear-Phishing Emails July 26, 2018
    Cyberattacks and resulting data breaches often begin with a spear-phishing email. Spear phishing differs from regular email phishing in its use of extensive research to target a specific audience, which allows the spear phisher to pose as a familiar and trusted entity in its email to a mark. Read this newsfeed update to learn tops to protect your business ag […]
  • South Carolina Updates Employment Discrimination Poster July 24, 2018
    South Carolina has updated its employment discrimination poster to include required language regarding pregnancy accommodations.
  • Delaware Adjusts Minimum Wage Increase Effective Date July 19, 2018
    Delaware has adjusted its minimum wage increase to $8.75 per hour to take effect on January 1, 2019.
  • Summary Annual Reports Due Sept. 30 July 18, 2018
    Health plans with 100 or more plan participants at the beginning of a plan year are generally required to furnish a Summary Annual Report (SAR) to each health plan participant within 9 months after the end of a plan year. As a result, the deadline for most calendar year plans to satisfy the SAR requirement for plan year 2017 is September 30, 2018.
  • Delaware Raises Minimum Wage July 16, 2018
    Under a new law, Delaware’s minimum wage will increase to:
  • Oklahoma Passes Medical Marijuana Law July 12, 2018
    Effective July 26, 2018, Oklahoma law will generally prohibit employers from discriminating against a medical marijuana patient in hiring, termination, or any term or condition of employment.
  • Court Strikes Down Parts of CA Immigration Law July 11, 2018
    As a result of a recent federal district court ruling, California employers are no longer prohibited from:
  • New Expiration Date for Certain FMLA Notices is July 31, 2018 July 9, 2018
    The U.S. Department of Labor's Wage and Hour Division (WHD) has extended the effective date of several model FMLA notices through July 31, 2018.

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Why do I need health insurance?

The reason you need health insurance may not be so much for the occasional doctor’s visit or prescription drug for a minor illness. Normally you may be able to fit those expenses into your budget.

The most important reason you need health insurance is to protect your family’s finances if you’re in a serious accident or are diagnosed with a serious disease. In these cases, the needed surgeries, treatments, medications and visits to specialists can easily cost hundreds of thousands of dollars.

Having health insurance is smart

Health insurance can be difficult to get if you wait until you or a family member is seriously ill. Having health insurance is actually much more economical in the long run than to run the risk of major damage to your family’s finances.
What’s more, with health insurance, you’ll be more likely to get routine care, including preventive care, when you need it, which helps you stay healthy – and saves money in the long run.

Health insurance can be more affordable than you think

There are many ways you can make health insurance fit your budget. For example, you might wish to consider a higher deductible in exchange for a lower monthly premium. Use the Plan Selector link to Optima’s page to see plans that fit your needs.