Legacy Benefits & Insurance Sevices

ACA & Other New Laws Updates


​Whether you like it or not healthcare reform is upon us.


A few things you should know:

  • Individual Mandate began 1/1/2014, a plan must be purchased by 3/31/2014 with some exceptions
  • Employers with 50-99 employees mandated penalties delayed till 2016.
  • Employers with over 99 employees mandated penalties delayed till 2015..
  • 2015 Individual Open Enrollment has been delayed and will be from 11/15/2014 to 2/15/2015.
  • Rates for CoveredCA plans purchased from a Certified Insurance, Navigators or direct from CoveredCA are the same.
  • Navigators can not assist clients with Small Group (SHOP) plans.
  • Advantage of using a Certified Insurance Agent is they can help you compare plans not only within CoveredCA but with plans outside of CoveredCA.
  • The Federal Government is actively enforcing ERISA rules, have you seen the guide?


Important 2015 Technical Notices & FAQs: (click on for more information)


Important 2014 Technical Notices & FAQs: (click on for more information)


Important 2013 Technical Notices & FAQs: (click on for more information)


CoveredCA Small Business Tax Credit - Click Here

We are Certified Insurance Agents with CoveredCA.


New Sick Leave Accural Begins July 1, 2015 Click Here to Learn More

Legacy Benefits & Insurance Services

7625 Sunrise Blvd., Ste 205
Citrus Heights, CA 95610

(916) 677-2130

CA Insurance License # 0E08570