California health insurance quote   -  Group health plan Center

Your California Group Health Insurance Hub

 

Summary of the California Group Health Insurance Market

 

 

Small Group health insurance is currently available from 1 life up to 100 in California.

 

This is the market place for employers who want to offer health benefits to their employees, owners, and officers as a qualified tax write off.

 

Group health is also affected by the ACA law significantly since Jan 1st 2014 which we'll discuss.

 

You can always run your quote here:

 

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Key Points for California Group Health Insurance: 

 

1. Group health is guaranteed issue regardless of health and the carriers can not increase premium based on health or size of group.

 

2. To qualify, groups need to enroll 75% of eligible people, pay 50% of employee premium, and have at least 1 person (not owner or spouse) on payroll for 1/2 of prior calendar quarter. 

   Some carriers have special offers for participation requirements.

 

3. Employers have choice to offer to part timer (below 30 hours weekly) or not.

 

4. Most carriers offer ability to offer many plan options to each employee and allow employer ability to fix contribution amount to dollar amount or % of plan.

 

5. Group health plans tend to be richer in benefits but more expensive. There's a wide range of HMO's (still competitive), PPO's, HSA's, and HRA's.

 

6. The dominant carriers in the California group health market are Kaiser, Anthem Blue Cross, Blue Shield of California, United, Aetna, Health Net, and Pacificare.

 

7. The rates are standardized so the rates you see in our instant quote are best available.

 

8. Most changes can be made at anniversary date (original sign up month).

 

9. The contract is month to month with no long term requirement.

 

10. Cobra is a set of laws which offer continuation of coverage options to employees that leave the health plan in certain situations (termination, loss of hours, etc).

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ACA Health Law Changes on Group Market

 

• Plans are now standardized along 4 levels:  Bronze, Silver, Gold, and Platinum
• Small Group has increased to 100 lives
• There are Group Tax Credits available.  Contact us to see if you are eligible
• There are penalties for paying for individual/family plans on behalf of your employees
• There are penalties for not offering health insurance to employees based on size of company

 

You can access the online application here:

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Critical Pages for California Group Health:

Eligibility requirements for California group health
How to choose a California group health plan
Group health for a new company
Does it make sense to shop Group health insurance often?
Quickly Quote and Compare California group health plans side by side
 

Additional Reading for California Group Health Insurance:

 

California Workers Comp Insurance

 

Minimum Value Notifications for California companies

 

RAF going way for California companies  health reform change coming

 

Early Group Renewal for 2014 (Pump fake)

 

Group health penalty Will companies drop group health and take the penalty under reform?

 

Out of State Employees How do Group health plans handle Out of State Employees

 

Part Time Employees How are part time employees handled

 

Dual Coverage Dual coverage under two company insurance plans

 

Group Dental Introduction to Group dental insurance in California

 

Kaiser Small Group Group health insurance options from Kaiser of California

 

Vision Insurance Vision coverage for your California group benefits

 

California company size How company size affects your Group health insurance options

 

Group insurance eligibility Three main requirements for groups to qualify

 

How to Choose Group Plan Important tips to consider when choosing group coverage

 

New Company enrollment What issues arise when new Companies need health benefits

 

Part Time Employees Group health insurance eligibility for

 

Anthem Blue Cross Group Underwriting What are the rules for Blue Cross group eligibility?

 

Premium Only Plan or POP  Let employees pay premium with pre-tax money

 

1099 Contract workers How Group health plans work with 1099 contract workers

 

Guaranteed Issue What does Guaranteed Issue mean for your Small Group health plan?

 

Annual Renewal How does the annual renewal affect your group health plan

 

Blue Cross EmployeeElect  large group flexibility for your Small Group health benefits

 

Family Business health insurance What plan works best for the "Mom and Pop" business

 

Shopping for group health  What to consider when shopping for group health plans

 

Value of Dental and Vision plans  Why employees like their dental and vision benefits

 

Benefits Small Group health plan from Blue Cross  Low cost plan suite from Blue Cross

 

California group health insurance  General introduction to Small Group

 

Why offer Small Group California health benefits  Benefits are an important step for your company

 

Group health insurance  Guide to how Small Group works

 

California Small Group  RAF or Risk Adjustment Factor  How it affects your rates

 

Guide to Understanding group health coverage

 

Why purchase a health plan for your California company  Important considerations

 

California Employer Application  A quick walk-through the employer app

 

Shopping Group health market  Tips for narrowing the options

 

You can run your California 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!