Are you a first time California health insurance shopper? You know, with the tight economy, it’s not unusual to see some California health insurance plan shoppers who are transitioning from group health insurance California employers provide their employees to the individual health plan market and may be first time shoppers for individual or family coverage and are age 50 and above.

After literally decades of participation in group health plans these new California health insurance shoppers are both new to the individual health plan scene and in search of affordable, innovative strategies that will provide the peace of mind California health insurance strategy to which they are entitled. We have a 3-Step California health insurance strategy that not only works to protect your wellbeing when it comes to current health care services, but also helps you save money for projected health and long term care needs in retirement!

First an important reminder: While an always free, always fast, easy and convenient California health insurance plan quote is always available to you here at Vitality online, it’s important that you know that our client services are always free. Always 100% free. We’ll be happy to arrange a careful, considerate personalized one-on-one client consultation at a time and place that is convenient to your schedule. As we mentioned above: We know that some of our readers may be reviewing information on California health insurance for the first time – so even after years of dealing with personal finances and financial planning for the future, the California health insurance terminology and jargon you’re seeing here at the site may be entirely new to you. We’re here to help clear up any questions or concerns you may have!

Above, we mentioned a 3-Step Plan we believe has merit for the age 50+ California health insurance shopper:

• Step 1: The review of a HSA-compatible health plan. These plans offer great value in the form of typically lower monthly premiums. For many health plan shoppers in this age bracket, you’ve established good saving habits and here’s where those saving habits can work in your favor! Money saved in a Health Savings Account – which accompanies the health plan portion of the concept – is tax deductible. (Regardless of whether you itemize!) Your HSA funds are yours to spend – or not spend – on qualified medical, dental, and vision expenses. You always have the option of saving your HSA funds – which are now growing tax free like an IRA – and spending out-of-pocket dollars instead to pay for various health care expenses below your annual deductible.
• Step 2: Are you 55 and above? You are eligible to save an additional annual amount of $1,000 in your HSA each year! Have you left your HSA dollars intact over the course of time? Are you now nearing retirement and planning on….
• Step 3: The purchase of an affordable Medigap plan to supplement your Medicare coverage? That’s great but there’s one more insurance strategy you should have under review to accompany your Medigap plan: A California long term care insurance plan that can provide important peace of mind for you and a spouse that your retirement savings and independence will remain intact should a disabling illness, injury or mental impairment leave you unable to perform important activities of daily living. Here’s a great ‘Did you know?’ California: You can use HSA funds to help purchase a qualified California long term care insurance plan!

As you can see; this 3-Step strategy is all about working on your behalf today – as you transition from a group health plan to an individual health plan – and working for your wellbeing and peace of mind as you encounter the next chapters in a life lived well here in our state.

At this age you know a few things about life…and finances:

• You know that you still have a lot to offer the business world and a HSA-compatible health plan is a great strategy for the independent-minded professional who has designs on starting a new business venture or pursuing the path of valued consultant and wants to preserve capital at this juncture – and wants the typically lower health coverage costs; tax benefits; and sense of personal empowerment over how their health care dollars are spent that a HSA-compatible health plan strategy brings its owner.
• You understand the power of tax deductions come tax time and the growth potential of savings in a tax free investment environment like the HSA.
• You appreciate the independence and peace of mind that comes with successful retirement planning and want to preserve both with the selection and purchase of an affordable California long term care insurance plan that will be there if you need it.

We’ve covered a lot of ground here. We know and appreciate that between family and career objectives your schedule right now may be quite hectic and chaotic. That’s where we can help: Reach out to us via our Vitality website or call us toll-free at 800-607-1950. We’ll reach back with the Total Quality dedication we have to every client interaction along with a pledge to arrange your always free client consultations at a time and place that is most convenient to your schedule.