Bernardini & Donovan Insurance Services

Blog & News

Small Business Healthcare Tax Credit

It’s been said once or twice before, sometimes, great things come in small packages. And in recognition of the value of your small business, we have a word of good news for you. In the upcoming tax season, you may receive some tax alleviation for merely being small.

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The Latest Small-Group Health Plan News

For your Redlands-based small business, of one to one hundred employees, finding the right health plan can be a challenge. Amid so many options, fluctuating circumstances, and things to consider, the choice is often overwhelming. However, with informed guidance and attentive counsel, you and your employees will benefit from the security of a quality health insurance plan. This is where we at Bernardini and Donovan come in. We are here to provide you with expert advice as you make this critical decision for your valued team members. And before you finalize your choices, take note of these health insurance updates. Latest small group health insurance news: In the fourth quarter of this year, those who are renewing their policies will notice a rate increase. This is caused by an added component of the Affordable Care Act called the Health Insurance Tax (HIT). Though it was anticipated to be repealed, it is now driving
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New California Health Insurance Mandates

For the most part, the Affordable Care Act, or Obamacare, has remained intact since President Trump’s election. However, in 2019, congress repealed what Trump found most troublesome about the plan. As a part of a major tax bill, the enforcement of individual mandates was eliminated in January of this year. Prior to this, individuals who were not covered by health insurance were subjected to a tax penalty of $695 per adult or 2.5 percent of their household income, whichever was higher. This was enforced with several exemptions to address the unique circumstances of each individual. However, California is among the handful of states that have passed legislation to reissue this individual mandate. And in 2020, its residents will be required to obtain qualified health insurance or face a tax penalty. But this time, it will look a bit different than that wish was issued on a federal level. The penalty for uninsured
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5 Small Business Health Insurance Pitfalls

Redlands small businesses face several challenges when it comes to employee health insurance. However, this must be made available for the benefit of each employee and the success of your company. Offering health insurance makes your employees more likely to stick around, keeps them happy and healthy, and can even save you money. So, while it may seem like a daunting endeavor, we advise that no matter the size of your company, you consider offering health insurance. There are a few mistakes when implementing a health care plan for your employees of which to take note. Make sure that you are aware of their threat and of the ways these pitfalls can be avoided. And rest assured that, even when issues arise, there are often simple solutions. A misunderstanding of eligibility requirements.  There are a few things that might keep an individual from partaking in their employer’s health care insurance plan. That’s
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3 Questions For Your Doctor

Health insurance is a vital aspect of our health and well-being. And the exponentially rising cost of healthcare is insurmountable without some level of insurance. So, it is crucial that we are covered in the case of an unforeseeable ailment or injury. However, health insurance is a complicated web of pure confusion. It takes an expert, someone who has devoted their entire career to the subject, to fully understand its ins and outs. And while you do not need to comprehend every aspect of insurance or even your own coverage completely, there are some things you’ll want to be sure are made clear. If you’ve recently moved or required specialized medical attention, you may be seeking a new primary physician. And in this process, you’ll need to consider a few questions. To help you better understand your insurance, your doctor, and choose the best avenue of care for your needs,
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