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Health Insurance

Check out our health insurance and reform resources, below.

Health Insurance Blog Posts

  • Ministry-Risk Trends To Be Aware Of

    By Matt Campbell on April 14, 2017

    Ministry-risk issues can distract a church from its mission like nobody’s business. That’s why, like most important topics, there’s never a stupid question. You’ve heard that, right?  Every time someone asks a ministry-risk question, there are a number of people that had that same question, but didn’t ask it. We’ve all been in that situation. Maybe we didn’t ask a

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  • Affordable Care Act Changes: What We Know

    By Ryan Lucht on March 15, 2017

    Affordable Care Act changes are a hot topic right now. If you’ve been following the news lately, you know politics are a real mess. Probably not something you want to discuss at the dinner table, but definitely something you should be discussing in your board meetings. There’s been a lot of back and forth on what’s going to change with

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  • Marijuana in Church? Understanding Prop 64

    By Steve Robinson on November 17, 2016

    Marijuana in church? Probably not. But, whether you agree with it or not California voters overwhelmingly approved the passage of Proposition 64. The new law legalizes adult recreational use of marijuana. Depending on who you listen to the passage of this proposition will either set off a cataclysmic chain reaction of moral and social decay or it will have minimal

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  • Breaking News: 2016 Work Comp Rates

    By Charlie Cutler on March 21, 2016

    Not all work comp rates are the same…did you see the recent filings?  Of course not!  While you are focused on your ministry, we are monitoring the insurance environment for ministries in California and making sure that your work comp rates are the some of the most competitive available to ministries.

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  • Zika Virus And Foreign Ministry

    By Tom Cutler on January 28, 2016

    Are you ready for Zika virus? As you start to plan your 2016 foreign mission trips, it’s important to be aware of any risks that your ministry may be exposed to as you travel.

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  • What’s a Grandfathered Plan?

    By Ryan Lucht on September 30, 2014

    Grandfathered plans are plans that were purchased before March 23, 2010. These plans have a grandfathered status and don’t have to follow Obamacare’s rules and regulations or offer the same benefits, rights and protections as new plans. This means that on many old plans you can still be dropped form coverage for reasons other than fraud, be denied treatment for

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  • Understanding the Individual Mandate

    By Ryan Lucht on June 18, 2014

    The one thing that everyone really needs to grasp is the individual mandate.  What does this mean? Simply stated, the Individual Mandate requires that nearly all American citizens are required to get health insurance by January 1, 2014 (although there is a grace period for the first few months).  So, whether it’s through your employer, Medicare, MediCal, an individual plan,

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  • April – From the back of the pew…Church Security, Safety & Healthcare

    By Ryan Lucht on March 1, 2014

    Did you know that we are passionate about helping Churches serve their communities better? At ChurchWest Insurance, we are always finding resources, on a daily basis, that we would like to share with your church. If you want to come over and hang out at our office, and talk about ministry strategy on our patio, we’d love to have you come on in.

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  • All Of Your Healthcare Reform Questions Answered…And A Free Lunch

    By on February 4, 2014

    All of your healthcare reform questions answered…and a free lunch Wow! That was easy!  All I had to do was: Read the 363,812 words that make up Healthcare Reform (right), Read hundreds of lawsuits, Read the Supreme Court’s decision, Watch how religious organizations have responded, Track 50 states’ responses to setting up a Health Insurance exchange, Sort through all of the

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  • What Churches Can Learn from 2012

    By Ryan Lucht on January 22, 2014

    I really love the new year! After celebrating Christmas, it just seems like everyone is in a brighter mood and ready to start fresh. When we review all of the major news stories form 2012, there are some things that stand out as learning opportunities: Penn State & Jerry Sandusky’s Conviction: The Penn State board of directors and administration didn’t

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  • Action Alert on the Contraception Mandate for Healthcare

    By Ryan Lucht on December 5, 2013

    Helping Churches Manage Healthcare Reform: We’ve spent the past couple of years trying to figure this out. It’s almost impossible to keep up on it. Following it in the news – reading the bill – waiting for the Supreme Court ruling – listening to the debates – following Fox News & MSNBC knowing that the truth is somewhere in between

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  • Twenty Things We Learned About Healthcare & Church Security

    By Ryan Lucht on May 9, 2013

    Our May 1st, Fresno event was great.  We were thankful for Northwest Church, who were very gracious in opening up their facilities to us. We enjoyed listening to Rod Wiltrout educate us about pending healthcare reform changes, and Bob Wild chat about protecting our ministries and people. 10 Things We Learned From Bob Wild Child abuse protection facts: Abuse occurs prior

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  • Child Protection, Healthcare Reform and Tax Credits

    By on March 20, 2013

    It’s exciting to see how ministries are using technology. How would your church use Google enabled talking shoes to keep your flock walking the righteous path (groan)? Think of it…these shoes could link with your church’s calendar and guide them to church events! Daily devotions could be heard during morning jogs! Include a pair in your wedding package to make sure the

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  • Church Healthcare Lunch & Learn – What we learned…

    By on February 25, 2013

    20 Things that we Learned at Lunch… 1. Donna Lively did a great job of helping churches see how they’ll be impacted by healthcare reform. 2. Dixie Beard helped make the benefits of 403(b)(9)s simple to understand. 3. Our host churches were very gracious in opening up their facilities to us and lunches were delicious. 4. California is leading the

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  • Losing Faith In Your Church Health Insurance Trust?

    By Ryan Lucht on May 4, 2011

    Caution about Health Insurance Trusts for Ministries: The Department of Labor is warning churches about ‘Health Insurance Trusts’. These trusts (MEWAs) are created when a health insurance agent joins two unrelated ministries under one health insurance policy. While they can be legitimate, the U.S. Department of Labor has stated that these trusts are sometimes marketed using attractive premiums that “…generate

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