Individual & Family
Group health
Medicare Supplement

Best rates GUARANTEED

Free Assistance 800-320-6269

California health insurance  -  Health plan basics in California  -  Health plans for Family Business

What is the right health insurance for a family business?

With all the talk of large corporations and their employment, most people are surprised to find the average company size in California is overwhelmingly between two and five people.

The so-called "mom and pop" business is more the norm and this allows for important considerations when choosing California health insurance for a family business.

Individual Family health insurance versus Small Group health insurance

The first real question to ask is whether you should look at Individual Family health coverage or a Small Group insurance plan.

There are pro's and con's to both.

First, the ACA law has impacted this consideration.

A family business must have a non-spouse on payroll to qualify for group health.

For a true family business, this rule may force individual family coverage.

Now with the new ACA law, the big difference is the network of providers available to you.

The individual family networks are about 1/3 smaller than group plans.  This is true for Covered Ca or off-exchange plans as well.

Small Group California health insurance is useful in a few different situations.

There requirements to qualify for Group coverage but the three main ones are:

  1. At least one person formally tied to the company for more than 1/2 of prior calendar quarter (owner and/or payroll).
  2. At least 75% of the eligible participants must go with the plan.  There can be some flexibility on this requirement.
  3. The company must pay at least 50% of the employee's health insurance premium.

These are the main stumbling blocks for small or new companies looking to purchase California Small Group health insurance.
Secondly, if you plan to offer health benefits to current or future employees, you want to do so with a group plan and not individual plans.

There can be liability in a company paying for individual insurance plans and the State frowns on such practices. If the coverage is really just for your family, this becomes less of an issue.

What type of California health insurance plan works with Family business?

Try to go with the lowest cost, comprehensive plan.

You are buying coverage for yourself so the premium savings with such a plan will usually outweigh higher deductibles, etc. If you are offering employees coverage, this may not work as well. Employees view health plans as a fringe type of benefit.

 If you offer high deductible plans, it may not be well received depending on the type of industry you are in. If your employees are frustrated with their out-of-pocket expenses with such a plan, you are paying for a benefit with no tangible benefit to retaining or attracting good employees.

The big difference is that purchasing health insurance benefits for employees is viewed as "carrot" as opposed to health insurance for you and your family.

Employee Elect with Anthem Blue Cross has allowed the best of both worlds in that they employer determine a fixed contribution (either dollar amount or percentage of a given plan) and then allows the employees to pick and choose from any of the plans. The employee would pay the difference for a richer plan but this allows each employees to pick a plan that meets his/her needs.

This also works for family only plans where each spouse might have different needs or requirements.

You can run your Group Health Plan Quote here to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!

YOU MAY STILL BE
ABLE TO ENROLL

In just 15 minutes:

  • - Get the most tax credit available
  • - Find the best plan for your needs
  • - Enroll right over the phone!




Call 800-320-6269

Our Services are FREE to You!

Need Help
With Existing Account

We can help you:

  • -Get required docs to covered Ca.
  • -Make changes to income and other info
  • -Choose and finalize plan enrollment
  • -Make sure you get right tax credit
  • -Payment/membership issues with carriers

Call to Enroll over the Phone in 15 Minutes

If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040:


Single Person: $16k - $47k
2 People $22k - $64k
3 People $27k - $80k
4 People $33k - $97k

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

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

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
calhealth website

Our Services are FREE to You

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.