2017 Open Enrollment Date 開放期


The Open Enrollment period for 2017 Obamacare health insurance has been official announced as 11/01/2016 to 01/31/2017If you want to apply or change your coverage for 2017, you can do it starting 11/01/2016 and before the last day 1/31/2017 of the open period. Also, in order to have coverage that begins on 01/10/2017, you need to complete your application before 12/15/2016.  If you enroll after the 15th of the month, you’ll have to wait until the month after that for your coverage to start. So, for example, if you enroll on 01/16/17, your coverage would start on 03/01/17. If you miss this window you will have to wait for next open in November 2017 unless you have a special “qualified event”.

2017年健保的開放期在11/01/2016至01/31/2017,也就是你要加入2017健保或對目前保單做改变的期間。但你完成申辦的曰期將決定你的起效日,凡是要1/1/17生效的記得要在12/15/16之前完成, 若之後則會在再下個月的一號,即2/1/17生效,1/15/17之後則要等到3/1/17生效,例如你在1/16/17加入,你的生效日就會是3/1/17。過了開放期,要加入就得要有合格的特殊理由了。



LongTermCare Hybrids 長期照顧新設計

You probably heard the “Hybrids” design for es LTC Insurance over the past several years . They have been popular in the market for the combination of  life insurance and  long term care benefits. It is a long-term care rider in a life insurance policy. Your policy will pay out benefits for your LTC need and also for death benefit, not just “use it or lose it” nature in traditional policies.


PCP matched 選定家庭医生

Beginning January 1, 2017, All Covered California health plans are required a Primary Care Physician (PCP). A member should choose one or have one matched by their plan. If the plan match one for you, it will be based on the physician you currently have or, if you have not been seeing a specific physician or renewing with a new provider, a physician will be selected according to where you live. A consumer can change to another physician at any time and not required to see the PCP and may continue to access specialists and other providers as they currently do. Consumers will receive notification from their health plan about this change but No action needed at this time.

2017年起,所有加卅全保的計劃都要求要選定家庭医生,你可以自己選或由保險公司根据你的就医經驗或住家所在地替你選,之後可隨時改变,但PPO及EPO並不因此而必須經過家庭医生看診,而是保持目前的直接就医專科医生的方式。消費者近日將收到保險公司寄來的相關通知, 但目前不需做任何行動.



2017 Medicare 联邦紅藍卡的年度開放期又要到了,不管你是新加入或已經在使用,你是否真的了解它?在此特別為你提供medicare.gov 用中文做的概說,請點擊下圖查看

Medicare overview

Why Annuity 退休年金的好處?

Why annuities are excellent tools to help you plan for your retirement ? With Americans living longer than ever, they need to take steps to plan for a better retirement. Annuities actually offer guaranteed lifetime income which help people to ease the stress. Annuities also offer tax-deferred growth, different withdrawal options and also death benefit.


Power of Shopping 比價後再選擇

Covered California unveiled its rates for 2017 on Tuesday this week with a statewide weighted average change 13.2 percent.
However, if consumers switch to “the lowest-cost plan at their same benefit level plan “,  Executive Director Peter V. Lee said, “Almost 80 percent of our consumers will either be able to pay less than they are paying now, or see their rates go up by no more than 5 percent.  So, “Shopping is going to be more important this year than ever before, That’s the power of shopping.”

本週二加州全保公佈了2017健康計畫費率, 全州平均上漲13.2%,但加州全保提醒消費大眾進行比價, 因為有可能透過轉換至其他同等級計劃, 不但避開漲價甚至付更低, 或小漲5%以內, 所以面對2017新保費, 多比較後再選擇非常重要!

2017 CC power of shopping

Social Security Statement

You know you can get a retirement benefit estimate from Social Security Estimator, but if you want to get more benefits information, including retirement, disability and survivors benefits, creating an online account is a good way. If you don’t have one, you can easily set one up now by click the image link below.

雖然你可利用社安局的估算retirement estimator工具替你做退休金的估算,但在其網上開立一個帳户更好,因為這樣你不但可查詢退休金,連失能,死亡等福利都可知道(樣本如下圖),也可追踪自己的收入紀錄,保持正確,而且隨時可以查看,非常便利。利用下列圖片連結可馬上進入:

SS statement sample

Estimate your SS benefit 社安金估算

Want to know how much Social Security Benefit you can get when you retire ? The difference if you start  at different age ? An estimator from Social Security Administration can help, just click this link and input your basic information



easy estimate SS benefit 0416

Social Security start time 何時領社安退休金?

If you live to the average life expectancy for someone your age, you’ll receive about the same amount in lifetime benefits. It doesn’t matter if you choose to start receiving benefits at age 62, full retirement age, age 70, or any age between. It is a personal decision and depends on different factors, such as your your health and family longevity and your financial condition, etc.. click the image from SSA below for more details

你已知道領取社安金時間早晚會影响領取金額的多少,這数字主要是根据個人的平均寿命精算的結果,如果你剛好活到預期的平均寿命,那麼早拿和晚拿最後領取的總福利金额將會是一樣的。所以什麼年齡開始領最好, 完全根据個人條件,包括健康狀況,家族寿命及財務狀況等不同因素.點擊右方圖案連結察看:
when to start receiving SS benefits_Page_1

Know your BMI? 認識BMI指數

Body mass index (BMI) is a measure of body fat based on your weight in relation to your height, and applies to most adults and children. It is a tool to know if a person is underweight, overweight, or a healthy weight. The further it is away from healthy range, the higher the health problems will be. Click the link from CDC below to find out yours :

知道自己的BMI指數多少嗎?它是一個測量体重與身高比例的指數,幫助了解自己的身體狀態,太重或太輕都需要注意,偏離正常範圍越遠健康風險越大. 可利用下列CDC聯結, 查詢自己的BMI指數 :