Individual & Family
Group health
Medicare Supplement


Free Assistance 800-320-6269

California health insurance  -  California Group Insurance  -  Group Health Employer Application

A quick look at the Employer Application for Group health insurance

The employer application is one of the key documents needed to enroll in group health insurance in California. Sometimes called the "Master Contract", it establishes the contract between the employer and health insurance carrier. Some of the sections are basic in terms of what is needed while others reflect California's high level of legislation and regulation. Let's take a quick look at a sample Employer Application to help simplify it's completion.

Employer Application general company information

The first section is where you list pertinent company information such as name, address, phone, etc. The carrier may also ask for the SIC code which is the federal code for your type of industry or business. You can find your company's SIC code with a simple look-up. You will also need to enter the type of company: Corporation, Partnership, Sole Proprietorship, or Other. LLC can be listed under other. Each type of company will have different documentation requirements. There may also be an area asking if you have been insured by the carrier for the past 12 months. They ask this question since you may have to wait 12 months before being able to come back on board if you cancelled coverage already under this same group.

Medical, Dental, Vision, and Life plan choice on the Employer application

There will be a section where you designate both your plan choice and how much the company will pay towards the premium. It is important to be sure about this as it will likely hold at least 12 months. Changing plans can be difficult if not impossible outside your anniversary date. Some carriers such as Anthem Blue Cross offer Employee Elect which allows you to offer the full suite of health and dental plans to each employee and designate your contribution based on a fixed amount (say $100 monthly per employee) or a fixed percentage (say 80% of any plan or 80% of a given plan). The same contribution strategy must be applied to each employee. You cannot discriminate and offer better contributions to some employees and not others. For AB 1672, or Guaranteed Issue group coverage in California, the employer is required to contribute at least 50% of the employee monthly health premium. There is no requirement for dependent coverage contribution. You can apply different numbers to employee contribution and dependent contribution (if at all for dependents). If you choose the Employee Elect option, there is usually an "All Plans" selection. We advise this approach as it allows a great deal of flexibility while allowing the company to control it's contribution levels.
The Group dental section works the same way and has the same 50% requirement mentioned above for health benefits. Group vision has the same 50% requirement but one vision benefit is usually chosen for the entire group.

California Life Insurance varies depending on the carrier. There are required contribution levels (usually lower than the 50%) but you may also have schedules of benefits you can offer. For example, you may want to apply the same level of life insurance for all job titles of offer different life insurance levels by job type (say officers, managers, supervisors versus all other group members). You can also apply a certain amount times salary.

There may be an option for a P.O.P. or Premium Only Plan. This can be very advantageous when employees on salary will by paying part of their monthly premium (including dependents). Essentially, with a POP, the employees can pay their share of the premium pre-tax. This saves them income tax on their contribution and it saves the company payroll FICA tax on that amount. The employer's savings usually pays for the cost of the plan (runs around $120-150 annually) with some savings to spare depending on the amounts contributed by the employees.

Group application eligibility questions

This is actually the part of the Employer Application that can be more involved. Most of the work has to do with establishing if the group is eligible according to AB 1672. Essentially, we need to figure out:

  1. the total number of employees (including owners/officers)
  2. the number of eligible full time employees
  3. the number of part-time employees (if part-time employees are being covered)

Of the eligible people, we need at least 75% of them to enroll on the plan. Employees on another group plan can be waived from the eligibility pool. This above calculation is the one that causes the most issue for qualifying with Group health insurance.
You will also find questions that speak more to regulation at the Federal and State level. The questions regarding Cal-Cobra versus Cobra, Family Medical Leave Act, and TEFRA/DEFRA are all linked to the size of your company.

More Employer Application items

You will now deal with more general requirements/statements about your proposed small Company.

For example:

  1. What effective do wish to request to start your Group health insurance?
  2. Prior Group health and dental insurance for this company information?
  3. Leave of Absence for medical or personal leave. (Employee pays the premium during these leaves)
  4. Any employee unable to work due to injury or illness?
  5. Worker's Compensation coverage information.

Employer Application and contract signature

There may be a section to designate how ERISA looks at you. On the Blue Cross Employer Application, there is also a section to initial part of the contract regarding Rescission. Following, is the signature section for the Contract itself.

Cobra Questionnaire form

This form is used if your company had other Group health insurance (under this company) and there are employees on that Group plan through Cobra. The carrier will need this information as they do not show on the DE6 or payroll.

Other important concepts to help you understand your California group dental insurance quote are:
Guide to Group health insurance in California
California group health insurance

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!



One Form...Multiple Options:

  • - Tax Credits through Covered California
  • - Private Exchange
  • - Mini-Cafe Plans with Best Value
  • - HSA's and HRA's
  • - Pre-Tax Contributions and Sect 125's

Call 800-320-6269

Our Services are FREE to You!


One Form...Multiple Options:

  • - Tax Credits through Covered California
  • - Private Exchange
  • - Mini-Cafe Plans with Best Value
  • - HSA's and HRA's
  • - Pre-Tax Contributions and Sect 125's

Call or Enter Census in 15 Minutes 


You May Qualify for $1000's in Tax Subsidies:

Employee Count Under 25
Average Salary less than $50K

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.