Pioneers in 5 Star Service • Ronstadt Insurance • Tucson, AZ • 520-721-4848

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On Memorial Day

We honor the brave men and women who have given their lives to preserve the freedoms and promise of America.  In observance of Memorial Day, our office will be closed Monday, May 28, 2018.

Final regulations and related guidance on 2019 Affordable Care Act (ACA) provisions

On April 9, 2018, the Department of Health and Human Services (HHS) issued final regulations and related guidance on Affordable Care Act (ACA) provisions including the Ten Essential Health Benefits (EHBs), annual out-of-pocket (OOP) maximums, and Marketplace updates and reforms.

The final rule affords greater flexibility to states for determining EHBs, reduces some regulatory requirements in the individual and small group markets and provides annual benefit provision updates. Additional guidance expands the individual mandate hardship exemptions available for 2018 for people living in states with federally-facilitated Marketplaces. (more…)

We’ve been nominated for a 2017 Copper Cactus Award !

Nominated for – Best Place to Work

Is Social Security considered income when enrolling in a plan through the

Yes. Social Security income is included in the calculation to determine your subsidy eligibility.

To get your Modified Adjust Gross Income (MAGI, which is often referred to as “household income”), you start with your Adjusted Gross Income (AGI) from your tax return. Then there are three things that must be added to your AGI if any of them apply to you:

1) Non-taxable Social Security income.
2) Foreign-earned income (and housing expenses if you live abroad).
3) Tax-exempt interest income. (more…)

Health Net Individual and Family PPO Insurance Update

healthnetHealth Net of Arizona will require proof of Arizona permanent residency and payment of first month’s premium prior to considering an Individual & Family Plan (IFP) PPO enrollment application. 
All IFP PPO applications are currently pended and will require the Proof of Permanent Residency form. This form has been filed with the Department of Insurance and is awaiting approval. As soon as we have approval, we will be reaching out to these applicants and will notify you once the form is implemented.
At this time, their online enrollment tool is only available for the quoting of plans and rates and not for enrollment in PPO policies. To enroll in Health Net PPO products, paper applications must be submitted. Call us at (520) 721-4848 for a paper application. 
A summary of Health Net residency requirements are as follows.