Insurance News

  • NY Order and Guidance Affect COVID-19 Leave for Employees July 7, 2020
    New York Governor Andrew Cuomo has issued an order barring state COVID-19 leave for employees who travel to states on New York’s travel advisory. In addition, recent state guidance clarifies when health care workers under isolation or quarantine orders are eligible for leave under the New York law.
  • Colorado Passes Paid Sick Leave Law July 2, 2020
    The Colorado legislature has passed the Healthy Families and Workplaces Act (Act), requiring all Colorado employers to provide employees with different types of paid sick leave in different circumstances:
  • IRS Issues Guidance on Leave Donation Programs for COVID-19 June 30, 2020
    Employee leave donated to COVID-19 charities through employer-based programs will not be taxed as income of the donor employees, according to recent guidance by the IRS.
  • IRS Issues Proposed Regulations for Qualified Employee Transportation Fringe Benefits June 30, 2020
    The IRS has issued proposed regulations that provide guidance for employers determining the amount of nondeductible qualified fringe transportation expenses. The proposed rules also provide guidance for applying exceptions, and include definitions, special rules and methodologies.
  • DOL Issues Guidance on FFCRA Leave for Summer Camp Closures June 26, 2020
    The U.S. Department of Labor has issued Field Assistance Bulletin 2020-4, clarifying when employees may take paid leave under the Families First Coronavirus Response Act for the COVID-19-related closure of a summer camp, summer enrichment program or other summer program.
  • DOL Launches Employee Tool for Determining FFCRA Leave June 25, 2020
    The U.S. Department of Labor has created an online tool to help workers determine whether they qualify for paid leave under the Families First Coronavirus Response Act.
  • DOL Issues Five New Fair Labor Standards Act Opinion Letters June 25, 2020
    The New Letters Clarify Compliance Issues With the FLSA On June 25, 2020 the U.S. Department of Labor (DOL) published five new opinion letters. Opinion letters provide the DOL’s official position on how labor and employment standards apply in specific
  • Federal Agencies Release More FAQs on Coronavirus-related Changes for Health Plans June 25, 2020
    New FAQs Address a Variety of Health Coverage Issues Related to the COVID 19 Outbreak The Departments of Labor, Health and Human Services and the Treasury have provided answers to a second set of FAQs (FAQs Part 43) about health
  • President Trump Suspends Entry of Certain Foreign Workers June 25, 2020
    The Order Is Effective Between June 24 and December 31 On June 22, 2020, President Trump suspended the entry to the United States of certain foreign nationals holding specific working, nonimmigrant visas. The order becomes effective June 24, 2020 and
  • OSHA Issues Guidance for Reopening Nonessential Businesses June 22, 2020
    OSHA's Publication Includes Charts and Examples Help Implement Safety Principles On June 18, 2020, the Occupational Safety and Health Administration (OSHA) released guidance to help employers plan how to reopen nonessential businesses. The guidance also addresses issues employers should consider

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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.