Placer West Insurance Services

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“Take Care of the People and the Business will take care of itself.”

Placer West Insurance Services is centrally located in Lincoln, California and staffed by friendly, competent Insurance Agents, who want to help you with insurance for your health, life, or property. Get a free insurance quote, make an appointment with our office, or just walk in and our agents will be glad to help you in any way we can.

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Placer West Insurance

Health Care Reform Important Notes

New laws (Patient Protection And Affordable Care Act of 2010, AKA PPACA, ACA and 'Obamacare') are coming into effect now

  • Everyone who is legally in the United States has to have health insurance in 2014.
  • If you do not have health insurance in 2014, you will be fined a 1% penalty when you file your 2014 taxes
  • No medical underwriting. Everyone is approved, there are no medical questions asked
  • Your chance to sign up for an Individual or Family plan is 10-1-13 to 3-31-14
  • You will not be able to sign up in 2014 after 3-31-14 unless you have a qualifying event
  • Next opportunity to sign up is 10-15-14 to 12-7-14 for a 1-1-15 effective date
  • For those between 138% and 400% of the Federal Poverty Level you can get help paying your premiums
  • There is a health insurance exchange called Covered California, where those that qualify for the tax credit to help pay premiums, can go to sign up

Federal Poverty Level (FPL) Chart 2014

View Chart


HSA Contribution Limits

Please be aware of the 2014 annual HSA contribution limits listed below.

  • $3,300 for self-only coverage under a High Deductible Health Plan (HDHP)
  • $6,550 for an individual with family coverage under an HDHP
  • $1,000 catch-up contribution for account holders 55 or older

Please be aware of the 2013 annual HSA contribution limits listed below.

  • $3,250 for self-only coverage under a High Deductible Health Plan (HDHP)
  • $6,450 for an individual with family coverage under an HDHP
  • $1,000 catch-up contribution for account holders 55 or older

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