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 2015 annual HSA contribution limits listed below.

  • $3,350* - Maximum HSA Annual Contribution Limit (Self-only)
  • $6,650* - Maximum HSA Annual Contribution Limit (Family)
  • $1,000 - HSA Catch-up Contribution Limit
  • $1,300 - Minimum HDHP Annual Deductible (Self-only)
  • $2,600 - Minimum HDHP Annual Deductible (Family)
  • $6,450 - Maximum HDHP Annual Out-of-pocket (Self-only)
  • $12,900 - Maximum HDHP Annual Out-of-pocket (Family)
  • *For purposes of the full contribution rule an employee is treated as being eligible for the entire calendar year as long as he or she is eligible as of December 1 of that calendar year and continues eligibility throughout the following year. However, failure to maintain eligibility during the "testing period" will result in adverse tax consequences (including an additional excise tax). The testing period begins in December of the year in which the employee becomes eligible and ends the last day of December of the following year.

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

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