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California health insurance  -  Group Health Insurance  -  Best Values in the Market

Best Value for California Group Health Options

The group health market is under tremendous pressure to offset the increasing cost of offering benefits to employees. With the new mandates of the ACA health care law, group rates have seen very large increases for most groups and the bulk of companies will experience this transition late 2014.

So what can a company do to get the best value on the benefits market?

We have put together the best current options for California companies on one page to help you find the right fit for your needs. Let's get started!



Covered California for Businesses

The core plans are not different within the Exchange but the possibility of having the government pay part of your premium needs to be examined first.

 

You may be able to get 50% of the health premiums subsidized

There are two main requirements:

  1. You employ 25 or less employees
  2. The average salary is less than $50K (not including owners/officers)

If you meet these two baseline requirements, call us or run your Group health quote right away.

Request Quote for Covered California for Small Business



Private California Exchange for Group Benefits

If we're not able to qualify for tax credits, we then look at Cal Choice, California's first and only private exchange for companies.

So what's the benefits there?

Cal-Choice allows companies to mix and match different plans from different carriers. We can establish a defined contribution from the company to protect a company's budget and then let the employees choose according to their needs and budget.

That alone is a cost effective option but the Cal Choice further offers lots of extras that companies generally pay for.

In fact, the POP 125 can actually save the company and employees real money.

Their Benefit Solutions is a huge find for employees and we can help you quote, navigate, and enroll in their private change with ease (and speed).

Request California Private Exchange Quote

 



The Mini-Cafe Plan

If we're interested in the lowest price value on the market at a given benefit level (across the spectrum), the Mini-Cafe is the way to go.

 

You simply provide us:

  1. Your basic census information (dates of birth, zip code, and dependent make-up) and Your monthly budget (ether per employee for the company).
  2. We then quote the entire market (100's of health plans) to find the best value for your given benchmark. We can then provide worksheets and benefit comparisons by employee which shows their costs for multiple plans after the employer's contribution is subtracted.
  3. We find a better costs for similar (and occasionally better) benefits 70% of the time

Request Quote for Mini-Cafe Plan



Cancelling Group Benefits and Going to Covered California

What if you can no longer afford group health benefits or your company does not meet the eligibility requirements?  We can help you investigate if tax credits are available to your employees on Covered California.


More and more companies are going this direction as the rate increases continue to pile up.

A company needs to be very careful when investigating this approach to avoid serious penalties from the IRS.

We can help you investigate this option. We have helped 1000's of Californians enroll in Covered Ca CORRECTLY. This is a huge deal since providing the wrong information can result in having to pay back $1000's in tax credits. The networks are also quite different so we'll need to evaluate doctor/hospitals needs.

 

Definitely do not jump into this without experienced guidance.

 

These are the main avenues of savings on the current group health market. We're happy to evaluate each one for your specific situation.

Our services are free to you but with 1000's of companies successfully enrolled, our experience is invaluable.

You can quickly Request your Group Health Bid for these options and we'll get right to work.   Call 800-320-6269 with any questions!

YOUR GROUP PROPOSAL
WILL INCLUDE

One Form...Multiple Options:

  • - Tax Credits through Covered California
  • - Private Exchange
  • - Mini-Cafe Plans with Best Value
  • - HSA's and HRA's
  • - Pre-Tax Contributions and Sect 125's



Call 800-320-6269

Our Services are FREE to You!

YOUR GROUP PROPOSAL
WILL INCLUDE

One Form...Multiple Options:

  • - Tax Credits through Covered California
  • - Private Exchange
  • - Mini-Cafe Plans with Best Value
  • - HSA's and HRA's
  • - Pre-Tax Contributions and Sect 125's

Call or Enter Census in 15 Minutes 

If Your COMPANY
MEETS THESE REQUIREMENTS

You May Qualify for $1000's in Tax Subsidies:


Employee Count Under 25
Average Salary less than $50K

Call 800-320-6269
Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Health Net of California
Aetna
and more
Thousands of Californians
Hundreds of California Companies
SUCCESSFULLY
ENROLLED
Thousands of Californians
Hundreds of California Companies

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SUCCESSFULLY
ENROLLED
Find out what customers are saying about our services
About Calhealth.net

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call us...you will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

800-320-6269
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Calhealth.net is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.