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Small Business Health Insurance in California

The Affordable Care Act (ACA) law does not require companies of less than 50 employees to offer group health insurance in California or any other state. However, many small companies continue to offer group health care coverage as a way of pleasing retaining high quality employees.

Small Group Medical Insurance Quotes

You can get group health insurance quotes on employee coverage easily online. You will need the following information for each employee to calculate the costs:

  • Gender
  • Age or Date of Birth
  • Whether or not spouse and/or child(ren) will be covered

Employer contributions are required; however, the employer does not need to pay the entire cost. The minimum contribution is 50% of the employee only amount for the youngest employee on the least expansive plan offered. You may contribute a set dollar amount or a percentage. Legally, you must be consistent in the manner in which you contribute to the employees. Carve out options may be available, which may allow you to contribute more to some highly compensated employees. Ask your broker for details.

Plan Options for Small Business

Since the implementation of Health Care Reform, plan selection on small business health insurance in California has gotten easier. Coverage options include all of the metallic plans:

  • Bronze 60 (regular or HSA)
  • Silver 70
  • Gold 80
  • Platinum 90

California Carriers Offering Group Health Insurance

Most health insurance companies in California offer small business options. Choose from carriers such as Aetna, Anthem Blue Cross, Blue Shield, Cigna, Health Net, Kaiser Permanente, and United Healthcare.

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Posted: June 3rd, 2021 under Covered California Insurance , Health Insurance Quotes , Individual Health Insurance , Small Business Health Insurance

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