ACA Compliance in 2025: How Employers Can Avoid Costly Penalties

With nearly 9 years in the dynamic employee benefits insurance industry and over 25 years of customer service experience, I have cultivated a deep understanding of both small and large businesses across various sectors. These include non-profit organizations, manufacturing, wholesale and distribution, transportation, construction, technology, energy, hospitality, restaurants, and law firms. My journey into the fast-paced world of insurance was fueled by my administrative experience and passion for helping others navigate the complexities of running a successful business.

My specialties lie in implementing strategic cost-saving programs through innovative solutions such as HRAs, HSAs, level-funded, and self-funded programs. I am particularly motivated by being a reliable resource for my clients, especially when it comes to ACA compliance, ERISA laws, EDI, and API technology integrations. I am dedicated to providing white-glove service to both clients and their employees, always ready to support by taking work off their plates and ensuring they receive friendly, inclusive, and culturally competent service.

Building and maintaining trust with my clients is not just a professional duty but a lifelong commitment that I eagerly embrace. I thrive on empowering companies to focus on their business goals, leaving the complexities of insurance to me.

As a proud single, professional woman of color, I take pride in being the matriarch and glue of my family. I remain caring, especially to those who lack the adequate support.

A UCLA graduate fluent in Spanish, I enjoy sailing, learning to surf, hosting gatherings for family and friends, and exploring new cultures through travel. I am also deeply committed to giving back to the community and serve as a director for SHEKonnect, a non-profit organization dedicated to supporting young ladies who have lost their mothers.

I am an employee benefits agent and the vice president of employee benefits for Leavitt Pacific Insurance Brokers. I’m passionate about offering a comprehensive, consultative approach to client service. I genuinely care about my clients and ensure that they know I will go above and beyond for them and their employees.

I’ve built my reputation on knowledge, experience, and dedication to the employee benefits field, and I support employers in managing their benefit programs. Between the agency team and me, we have over 50 years of combined experience serving our clients and their employees.

My entire career has been spent helping employers provide the right benefit solutions to their employees while still controlling long-term costs. I’ve built industry relationships that assist me in leveraging and negotiating rates for my clients. I previously worked for a TPA firm, which gave me tremendous experience in benefits risk management.

Another key part of my role is staying current on legislative and HR compliance, as well as evolving changes in the health insurance industry, the complexities of the law, and new legislation pertaining to the ACA (Affordable Care Act).

I love San Jose. I grew up here, and I love giving back to our community. I serve on the board of New Hope for Youth, a group that supports at-risk youth, and I am a member of the National Association of Women Business Owners. I’m also the director of the “Arise” Ladies Ministry at the Christian Worship Center.

Family is another key part of my life. I love spending time with my ten older siblings, my four children, and my granddaughter.