Placer West Insurance Services

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“Change of Ownership”

Placer West Insurance is honored to announce that after serving the residents of Placer County and the surrounding communities that owner Paul Harrison will be retiring as of June 30, 2015. Paul has spent the last 20 years creating a legacy of excellent customer service paired with outstanding insurance products that will be carried on by Will Schwenning Jr.

“I am humbled that Paul chose me to lead such a community centered and local insurance company such as Placer West Insurance. I look forward to leading the client focused customer service that Paul established in Placer County and the surrounding communities” - Will Schwenning Jr.

The mission of Placer West will remain in place, to maintain relationships with high quality companies to remain responsive and able to meet the needs of the people of Placer County and the surrounding communities.. With the new ownership of Placer West also comes an expansion of insurance services offered to meet all the needs of our clients.

Learn about our products

Health Care Reform Important Notes

New laws (Patient Protection And Affordable Care Act of 2010, AKA PPACA, ACA and 'Obamacare') are coming into effect now

  • Everyone who is legally in the United States has to have health insurance in 2014.
  • If you do not have health insurance in 2014, you will be fined a 1% penalty when you file your 2014 taxes
  • No medical underwriting. Everyone is approved, there are no medical questions asked
  • Your chance to sign up for an Individual or Family plan is 10-1-13 to 3-31-14
  • You will not be able to sign up in 2014 after 3-31-14 unless you have a qualifying event
  • Next opportunity to sign up is 10-15-14 to 12-7-14 for a 1-1-15 effective date
  • For those between 138% and 400% of the Federal Poverty Level you can get help paying your premiums
  • There is a health insurance exchange called Covered California, where those that qualify for the tax credit to help pay premiums, can go to sign up

Federal Poverty Level (FPL) Chart 2015

View Chart

HSA Contribution Limits

Please be aware of the 2015 annual HSA contribution limits listed below.

  • $3,350* - Maximum HSA Annual Contribution Limit (Self-only)
  • $6,650* - Maximum HSA Annual Contribution Limit (Family)
  • $1,000 - HSA Catch-up Contribution Limit
  • $1,300 - Minimum HDHP Annual Deductible (Self-only)
  • $2,600 - Minimum HDHP Annual Deductible (Family)
  • $6,450 - Maximum HDHP Annual Out-of-pocket (Self-only)
  • $12,900 - Maximum HDHP Annual Out-of-pocket (Family)
  • *For purposes of the full contribution rule an employee is treated as being eligible for the entire calendar year as long as he or she is eligible as of December 1 of that calendar year and continues eligibility throughout the following year. However, failure to maintain eligibility during the "testing period" will result in adverse tax consequences (including an additional excise tax). The testing period begins in December of the year in which the employee becomes eligible and ends the last day of December of the following year.

Please be aware of the 2014 annual HSA contribution limits listed below.

  • $3,300 for self-only coverage under a High Deductible Health Plan (HDHP)
  • $6,550 for an individual with family coverage under an HDHP
  • $1,000 catch-up contribution for account holders 55 or older

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