Kevin Knauss: Health, History, Travel, Insurance
If Mary Lynn had to repay excess subsidies of $2,000, the repayment would be limited to $975 because her income is between 200% and 300% of the federal poverty level. Because her excess subsidy is less than $975, the $804.84 amount is transferred to line 29 of Part III.
The slope of the curve increases at the $125k income group. This is also the point where, for many families, the 2.5% of income penalty calculation is greater than the flat penalty amount. The highest average penalty happens at the $900k and $4 million income groups. The $900k income group had an average penalty of $7,921 and the $4 million group average penalty was $8,118. There was no data published for the $5 million income group.
VSP offers monthly premium discounts for multiple family members. The best deal is if you have a family of more than 3 household members. Blue Shield offers no family discounts. Remember, all individual and family plans include pediatric dental and vision for children 18 years old and younger. There may be no reason to include your children in the vision plan if it is already embedded in the health plan.
The book of maps is titled County Atlas of California. The subtitle is Showing All Towns, Postoffices, Railroads, County Roads, Stage Lines Carrying Passengers, Mail and Express, and Distances Between Points. Noted on the title page is “Corrected to December 1900.”
It appears the health plan invoiced for the higher premium plus the excess subsidies paid in January and February. Consequently, the March invoice was $314.00 the combination of $275.58 + $19.21 + $19.21.
Covered California has revised their income table to reflect the higher federal poverty levels. The higher dollar amount numbers are effective March 2026. The revision only applies to Medi-Cal programs. When reviewing any income table update, make sure the date in the lower right-hand corner is 3/2026. That is the revised table from the 10/2025 […]
When I view an AI generated health insurance plan comparison and analysis, I’m very impressed. I can see how AI will fill the analysis and comparison of health plans for many consumers.
The dental plan review and spreadsheet leans heavily on Delta Dental. However, there are many dental plans from other carriers that work just as well and are competitively priced. While you can enroll directly with many dental plans, there are situations where you must use a specific marketing channel such as the Morgan White Group or Covered California.
However, there can be no mistake that AI is becoming more sophisticated in providing financial analysis for health insurance. There is a large population of people for which the AI analysis is good enough to base a health insurance decision upon. This makes health insurance agents obsolete in many situations.
Similarly, Social Security Disability benefits are added to the MAGI. What surprises people is that they may receive a lump sum check for previous months of disability payments from when the disability application was first file. This lump sum benefit covering several months can push the household income over 400 percent.
