Insurance News

  • California Strengthens Lactation Accommodation Protections October 18, 2019
    California has adopted a new law that strengthens lactation accommodation protections for employees. The new law becomes effective on Jan. 1, 2020 and is similar to San Francisco’s lactation accommodation law.
  • South Dakota Announces 2020 Minimum Wage Rate October 15, 2019
    The South Dakota Department of Labor and Regulation announced that the state minimum wage rate will increase $9.30 per hour on Jan. 1, 2020.
  • Vermont Announces 2020 Minimum Wage Rate October 14, 2019
    Vermont has announced that the state minimum wage rate will increase to $10.96 per houron Jan. 1, 2020.
  • DOL Proposes to Amend Employee Tip Regulations October 10, 2019
    On Oct. 8, 2019, the U.S. Department of Labor (DOL) published a proposed rule to amend employee tip regulations under the Fair Labor Standards Act.
  • Montana Announces 2020 Minimum Wage Rate October 10, 2019
    On Sep. 30, 2019, the Montana Department of Labor and Industry announced that the state minimum wage rate will increase from $8.50 to $8.65 per hour.
  • Ohio Announces 2020 Minimum Wage Rate October 8, 2019
    New Rate Becomes Effective on Jan. 1 Ohio has announced a new minimum wage rate of $8.70 per hour for nonexempt employees. The state minimum wage rate applies to employers that gross $319,000 per year or more. The
  • Alaska Announces 2020 Minimum Wage Rate October 2, 2019
    New Rate Becomes Effective on Jan. 1 The state of Alaska has announced a minimum wage rate of $10.19 per hour for 2020. The minimum wage in the state is adjusted annually using the Consumer Price Index for urban consumers
  • California Adopts New Worker Classification Standard October 1, 2019
    California has adopted a new law that changes the process for determining whether a worker should be classified as an employee or independent contractor.
  • DOL Issues New Salary Limits for Overtime Exemptions September 24, 2019
    On Sept. 24, 2019, the U.S. Department of Labor (DOL) announced a new final rule that updates the salary thresholds that some individuals must meet in order to qualify for a minimum wage and overtime exemption under the federal Fair Labors Standards Act (FLSA).
  • Reminder: Sept. 30 and Oct. 1 are Key Massachusetts PFML Deadlines September 19, 2019
    The end of the month marks important employer deadlines for Massachusetts Paid Family and Medical Leave (PFML).

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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 a 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.