SHOP Covered CA for Small Business Program 
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Covered CA Video's

What is Covered for Small Biz 2015

 

How can Covered CA help your Small Business?

 

Enter your census or securely send us an excel spreadsheet or a list of employees and get instant proposals for California
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SHOP – CCSB  plans are ONLY available thru licensed, trained & certified agents. Covered CA Announcement.

SHOP Advantages on HealthCare.gov 

Click here to view available Group  carriers or just get a Quote .

.Click here if you have any Questions?

Participating Companies:

Blue Shield,

Chinese Community Health Plan,

Kaiser

Health Net

Sharp

Western Health Advantage

As I  see it, the main advantages to CCSB:

Self Employed?

Please note that self-employed that were eligible under AB 1672 must now have a common law employee (not spouse) to qualify.  Self employed can get coverage individually, guaranteed issue and still take a tax deduction, line 29 1040.  Individuals that don’t have employer coverage may be eligible for tax credits.

Proofs & Documents to Qualify for Coverage 

Please check the SHOP employer application page 2, for the documents that are needed to show that your business qualifies for coverage.   Rather than list all the employees on page 4, just have each employee complete an enrollment form,   or include the information in your census

See also our Administration Page 

Ask about the “Employee only” plan
Which Allows  Subsidies for Dependents in Covered CA

  • Employees who have dependents seeking subsidy assistance through the individual exchange cannot qualify.
  • Spouse/parents enrolled in an employer group ACA qualified plan in most cases disqualifies the subsidy eligibility – Family Glitch –  9.66% Rule
  • Most employers do not contribute to the dependent portion of the premium, but because the offer the coverage the dependents technically have “Access” to a ACA qualified plan.
  • Dependent coverage is perceived as “unaffordable” to the employee; result = low to no dependent participation
  • Why have an employer offer a benefit that is not utilized and unintentionally penalizes??

 

Solution

 

  • Implement an “employee only” plan; dependents do NOT have “Access” thereby receiving subsidies. 9.17.2015  Covered CA Email 
    • Covered California for small business filed their contract to support this feature.
    • If  the dependents of your employees qualify for Covered CA subsidiesFREE Quote and Subsidy Calculation and the employer is not contributing, then we need to get you into a SHOP program and write it up as employee only, by NOT selecting dependents on page 3, step 2 question 11 of the SHOP employer application.
    • Learn More  * 

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