Individual & Family
Group health
Medicare Supplement


Free Assistance 800-320-6269

California health insurance  -  Health Reform for California   -  Minimum Value Notification

The Minimum Value Form for California Companies

There are always pieces that fall through the cracks with very large pieces of legislation and the Minimum Value form is one of them.

There is a requirement for California companies (indeed all companies nationwide) to send out a notification form to all employees by October 1st (for existing employees) and shortly after hire for new hires following October 1st to notify them of the Health Exchange options available starting Jan 1st.

You can access the Department of Labor forms below.

Early Renewal Twist Makes Form Difficult

Here's the issue...many companies opted for an early renewal in the 4th quarter of 2013 so that they can avoid the plan/rate changes associated with health reform until 2014.

For example, if a company early renews 12/1/2013, they will not need to switch to the new Metallic plans until 12/1/2014.

So good.

The issue is that companies need to send out the forms and state whether their will be of a minimum value. Some carriers have stated their current plans are MV while others have not.

This is a big issue. First, what is Minimum Value?

Definition of Minimum Value

Minimum Value basically means that the insurance plan meets the basic benefit level of the Bronze metallic plan (60% actuarial value).

All the new metallic plans in 2014 will automatically meet this requirement but 2013 plans were not designed against this mandated requirement.

They may or they may not. Most plans probably will but probably is not the word we're looking to pass on to our groups and here's why.

Minimum Value's effect on Subsidy Eligibility

If a company offers an employee that is both Minimum Value and affordable (employee's premium is less than 9.5% of gross income for employee only coverage), then the employee and his/her dependents is not eligible to receive a subsidy on the Health Exchange regardless of their income qualification against the 400% of Federal Poverty Level.

 This is a huge deal...worth $1000 of dollars in health subsidies for each employee. A company doesn't want the liability of giving incorrect information on this form and apparently, nor does the carrier.

So far we have tentative confirmation (though not official by company notification) from Blue Shield of California and Kaiser that their current 2013 plan are Minimum Value. We're still awaiting Anthem Blue Cross of California, Health Net, United, and Aetna to round out the big carriers that might have 2013 early renewal groups.

Remember that the company needs to notify their employees by October 1st, 2013. We'll updated this page as we get new information and hopefully put this issue to bed. 

Company Does Not Offer Group Health Insurance:
English Employee Notification
Spanish Employee Notification

Cobra Election:
English Employee Notification (Word Only - requires personalization)
Spanish Employee Notification (Word Only - requires personalization)

From October 1, to December 31, 2013, the notices have to be given to new employees on the day they are hired. The notices have to be given to existing employees no later than October 1, 2013. Starting January 1, 2014, employees hired on or after that date have to be given the notices within 2 weeks of day they are hired.

You can run your Business Health Plan Quote Online 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!


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
and more
Thousands of Californians
Hundreds of California Companies
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.

Find out what customers are saying about our services

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 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

calhealth website

Our Services are FREE to You 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.