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

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…)


Is Your Business at Risk for Fair Labor Standards Act Fines?

US Department of Labor

The new overtime rule, which every employer must comply with by Dec 1, 2016 more then double the current white collar exemption salary threshold to $47,476 per year or $913 a week.  These new requirements will have a large impact on employers, since it will require them to review employees’ exempt status and update overtime polices in order to comply with the FLSA overtime rules.



10 EEOC Tips for your Small Business

TheEqual Employment Opportunity Commission (EEOC) is an independent federal agency created by Congress in 1964 to eradicate discrimination in employment. The Commission enforces various statutes that prohibit employment discrimination on the basis of race, color, sex, national origin, religion, retaliation, age, and disability or protected veteran status.

The EEOC has the authority to investigate charges of discrimination filed against employers who have a statutory minimum number of employees. HR can help avoid costly penalties by following the tips published by the EEOC.



Buying Individual Health Insurance between 2/1/2016 – 12/31/2016

If you are looking to change your existing policy or to buy a new one you have to have a Special Enrollment Period (SEP) between February 1, – December 31, 2016.

What is a Special Enrollment Period (SEP)?

1. Your personal circumstances change, including:
• Marriage
• Birth of a child
• Adoption or placement of child for adoption or foster care
• Gaining citizenship
• Moving residence outside your insurance plan’s service area
• Leaving incarceration

2. You experience an involuntary coverage change, which may include:
• Losing health coverage due to situations such as job-based coverage ending, aging off a parent’s plan at 26, losing coverage through divorce or similar events. However, voluntarily (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.