Caffrey Insurance Solutions
Your Partners in Understanding Healthcare Reform


Lynn Caffrey, Principal & Gabriel Caffrey, Broker  

Providing Clear and Creative Health Insurance Solutions
March 2013  
About Caffrey Insurance Solutions
Caffrey Insurance Solutions
Phone: 510-444-5447
Fax: 866.530.7365 

Best Broker in the  

East Bay

Lynn had the honor of being named Best Health Insurance Broker in the East Bay Express Best of the Bay awards. 


The review said that she was "an extremely dedicated full service health-insurance broker".  We work hard for our clients.

California Pre-Existing Condition Insurance Plan No Longer Accepting Enrollments

Following federal direction received on February 15, 2013 California PCIP has suspended new enrollments for applications received after March 2, 2013.

Any applications in process with PCIP will be referred to the MRMIP (Major Risk Medical Insurance Plan).

For more information, please visit the CA PCIP website.

Review us on Yelp!

Yelp Page


Thanks to your great reviews, we have a five star rating on Yelp. If you have received good service from Caffrey Insurance Solutions over the years, please drop by and let prospective customers know about your experience. We really appreciate your time! Thank you.

Did You Know?

When the new individual plans mandated by health care reform begin on January 1, 2014, you may be eligible for a subsidy if your family income is less than 400% of the Federal Poverty Level?

For a family of four, this is a household income of $93,000.

Group Coverage Could Help Your Next Tax Day
If you are currently considering small group coverage for your employees, you may not know that in addition to tax-deductibility of premiums, there are also tax credits available to groups of 2-50 employees.

For more information,
How Long Will You Live?

This easy and fun calculator estimates your life expectancy.  It was developed by Northwestern Mutual Life, and it tries to predict how long you're likely to live. 

The predictions aren't going to be close if you do have a long-term health issue, but generally it works well. Barring long-term health problems, we are going to live a long time, most was into our late 80s or 90s.

Do You Like This Newsletter?

Some of you may be receiving this newsletter for the first time. We have been expanding our outreach efforts, but by all means, if you are not interested in receiving future newsletters, please click the unsubscribe link at the bottom of the page. If we haven't spoken in a while and you have concerns about health insurance that we can help you with, please let us know.

As You Grow, We Grow With You

Please ask about additional services and value-added products such as HR administration and online policy management tools. 


"Your expert advice is always appreciated. I literally don't know what I would do without you. You give me the most valuable gift of all: time."    --Scott Gordon 

"I'm glad there are individuals like Gabriel who can break it down so the average joe can understand the ins and outs of each plan, and make better-informed decisions."
     --Kerwin K.

"You are different from any image I have had of an insurance broker. I simply enjoy being with you. I experience a combination of efficiency, care, honesty, commitment and flexibility. I couldn't ask for better.               --Miki Kashtan

"Lynn is friendly and genuine without being intrusive, overly chatty or fake, navigating the sometimes challenging boundary between professionalism and human interest with natural ease." Review
Lynn and Gabe profile picture
As the paradigm shift of the Patient Protection Affordable Care Act (colloquially known as Obamacare) approaches, it's important for you to know that in 2014 individuals will have a choice of purchasing coverage directly through an exchange or working with your broker.
The rates will be the same in either case. When you let us assist you, you have an advocate on your side. We are learning all the complex implications of the new rules and will continue to provide solutions to your health insurance needs.
If you didn't have a chance to read our last edition, we have news: we have moved to a brand-new office in downtown Oakland, easily accessible by public transit and centrally located in the East Bay. Feel free to come on by and have a look if you have time. 
While you're here we can review your current options and see if we can serve you better. 

Caffrey Insurance Solutions Presentation on Health Care Reform and How It Will Impact You and Your Business!

Doctor Earth Stethoscope IMage On March 15th, 2013 we will conduct the first session of our monthly updates on changes in health care reform legislation, new rules and how they impact prospective and current group and individual clients. 


Every month this year until the beginning of 2014, we will host a presentation on the industry. Our goal is to increase your comprehension of all of the issues so that you can continue to make the best choices regarding your benefits.


Our first session is on March 15th, 2013 at 9:00 AM in the conference room of our offices at 405 14th Street, Suite 204, Oakland, CA 94612. We're centrally located just above the 12th Street Oakland BART Station.


We can handle approximately 20 attendees for these sessions. Coffee They will be a great opportunity for you to get ahead of the coming changes of Health Care Reform and the Patient Protection and Affordable Care Act. 


To sign up, please click here. 

Health Care Reform Timeline 2013

Doctor Earth Stethoscope IMage The Obama administration says it will require health insurance companies to report all price increases, no matter how small, to the federal government so officials can monitor the impact of the new health care law and insurers' compliance with it.


Under current rules, the federal government requires insurers to report information on rate increases of 10 percent or more. New rules being issued by the administration will extend this requirement to all rate increases for all health plans sold to individuals, families and small businesses - a total of 60 million people.

Consumer advocates welcomed the new reporting requirements, saying they would enhance the ability of insurance regulators and the public to scrutinize rate increases.

Insurers object to the requirements. The federal government "is creating a hugely burdensome and expensive reporting system" that duplicates what most states already require, the Blue Cross and Blue Shield Association said.

The new law requires insurers to pool the claim costs of all their customers when setting rates in the individual market in a state. Likewise, insurers must consider the claims histories of all their small-business customers when setting rates for them. Premiums for each product are supposed to reflect the combined experience of all products in the market.
Federal health officials said they needed to know the prices of all insurance products so they could determine whether insurers were complying with these requirements.  

For more details, please review the full article recently published in the New York Times.

What Would Lynn and Gabriel Do?

Solutions -- Not Problems A client from many years ago contacted us and asked us to review their benefits.  They were a two person group and one of them was over 65.  Their premium had gone up to over $4000 a month.  What could they do?

  1. Dramatically reduce their benefits and hope for the best.
  2. Leave it as it is, they do enjoy good benefits.
  3. Move one member to Medicare and hope the other would be approved for individual coverage.
  4. None of the above.  

None of the above.

In analyzing what they had, we discovered that that the Medicare-age person could waive the plan and buy a Medicare supplement and drug plan. Because this is considered a valid waiver, the other person was able to remain on the company plan. 

In this instance, we did lower their benefits somewhat, but even adding in the self-funding needed to make each of them have 100% coverage we saved this two-person group 32% and more than $16,000 in annual premiums. 


What can we do for you?

Covered California 

(CA Health Care Exchange in 2014) Announcements 

Who can use Covered California to purchase insurance? 
Legal residents of California without access to affordable health insurance through their employer or another government program will be eligible to purchase health coverage through Covered California.

Small employers with 50 or fewer  full-time equivalent employees also will be able to purchase insurance through Covered California.

What kind of health insurance will be offered through Covered California?
Covered California will offer Qualified Health Plans that are the same high-quality health plans available on the private market today. These Qualified Health Plans are guaranteed to provide essential levels of coverage and consumer protections required by the Affordable Care Act. These plans will be offered in categories based on the percentage of covered expenses paid by the health plan.  


For more information, please visit the newly launched Covered California website


Remember, we will be appointed as official brokers with Covered California and will be able to guide you in the right direction and assist with any issues that may arise.

About Caffrey Insurance Solutions 

Lynn Caffrey and Caffrey Insurance Solutions is a family business employee benefits brokerage firm that provides insurance expertise for small companies (fewer than 50 employees) and individuals seeking individual or family coverage. We also provide Medicare assistance.  

Caffrey Insurance works with you to find the best insurance benefits that provide the best value, tailored to the unique needs of your company.

California License Information
Lynn Caffrey: 0557451
Gabriel Caffrey: 0H66348
Caffrey Insurance Solutions, Inc.: 0G80281

Caffrey Insurance Solutions, Inc.
405 14th Street, Suite 711
Oakland, CA 94612
Phone: 510-444-5447