One of the daunting tasks for any new business owner is the world of group health insurance in California. Most business owners have a finite amount of time and a seemingly infinite list of things to do so we want to give you just the snapshot of what you need to know and then point you in the direction of varied and exhaustive articles on the finer details and strategy to securing the best Group health insurance rates and benefits in California.
Let's get right into some key concepts.
In order to have access to this guaranteed issue status , there are three main California group health eligibility requirements a company must meet.
Let's analyze where we typically run into problems.
For very small companies or start ups, the 1 or more people can be an issue.
We need to show either payroll or ownership for 1/2 of the prior calendar quarter. Occasionally, many employees (without alternative coverage) do not want to enroll due to cost and this can be an issue with the 75% participation requirement. Keep in mind that the requirement can exclude part timers, people on other group health plans (say through spouse), people on Medicare, and contract workers.
We can help you look at your company's situation
to see if you qualify.
California has many carriers to choose from with a range of different plan types.
Our first strategy is to determine your budget as the employer and then work backwards.
We can fix the employer contribution to that number and then give the employees choice to pick the plan that fits their needs without exposing your health benefits budget.
This has been the best approach and we're happy
to run a full custom quote for your company
based on our experience with the various
carriers (we're independent agents who can deal
with any of the carriers).
Health Reform has significantly affected the Small Group health insurance market in California.
We will likely use the Exchange or SHOP as it's current name reflects to purchase group health plans and the details of that are still in flux.
As it stands, there may be 4 plans available...Platinum, Gold, Silver, and Bronze based on the Kaiser $30 copay HMO plan.
Again, this could change (and probably will) so we'll keep you posted as we get new information.
For further reading on California group health guides, please check here:
Out of State Employees
Part Time Employees
Kaiser Small Group
California company size
Group insurance eligibility
How to Choose Group Plan
New Company enrollment
Part Time Employees
Premium Only Plan or POP
1099 Contract workers
Blue Cross EmployeeElect
Family Business health insurance
Shopping for group health
Value of Dental and Vision plans
California group health insurance
Why offer Small Group California health benefits
California Small Group RAF or Risk Adjustment Factor
Guide to Understanding group health coverage
Why purchase a health plan for your California company
California Employer Application
Shopping Group health market
|Employee Count||Under 25|
|Average Salary||less than $50K|
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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
We'll quickly see if you have the best priced plan available and if you qualify for a tax credit800-320-6269
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