November Business Breakfast 

Join us for our Golden Gate Business Breakfast

at IBERIABANK

Stop in before you head to the office!

Topic: "What's New in Obamacare for 2015"

Neftale Espinosa, President of E & S Insurance Services will present a session to help you navigate through the new rules of Obamacar.

Here's what you'll learn:

        For Individuals and Families

• Enrollment period goes from 11/15/2014 to 02/15/2015
• The Individual Shared Responsibility Payment has increased substantially.   (Penalty in the income tax)
• Insured enroll during 2013 must re-enroll in order to qualify for 2015.
• Overview of essential health benefits.
• Exceptions for individuals and families.

       For Small Business Owners

• Overview of the Small Business Health Option Program (SHOP)
• Incentives and credits to employers.
• Choices of Qualified Health Programs.
• Benefits to employers and employees.
• Premiums calculations.
• Qualified businesses.
• Enrollment Process

Presented by: Neftali Espinosa, President, E & S Insurance Services

Sponsored By: Sandra Carano, Premier Plus Realty