Small Business’s
EmployER Health & Medical Plans
Small Business’s EmployER Medical Plans are now guaranteed coverage with just one common law employee (AB 1083), who isn’t a spouse.
No medical questions are asked!
Small Business can enroll year around, you do not have to wait for Open Enrollment. See the brochures and other pages in this section of our website, in the menu above, site map or child pages below.
Email, Skype or Zoom us [email protected] for more information.
We are here to help you get the most from your Employer Group Health Plan.
Our services and consultation are free as long as you appoint us as your agent for no additional charge as we are compensated by the Insurance Companies to help you.
See the buttons below to get quotes, ask us a question or set a meeting.
Check out the details of each Insurance Companies offerings by going to their webpage from our Insurance Carrier section, below.
Our Webpage on Insurance Coverage for
COVID 19
Graphic from The Sun.UK
Enter your census or securely send us an excel spreadsheet or a list of employees and get instant proposals for California
Schedule a Skype, Phone or Face to Face meeting
Health Care Reform Explained
Insubuy Travel Health Insurance
Instant Quotes, Details and ONLINE Enrollment
Covered CA Video's
What is Covered for Small Biz 2015
How can Covered CA help your Small Business?
Health Coverage Guide.org 
Is Your Business Eligible for Group Coverage?
What Do Employers Have to Pay?
What do you and your employees value in a Health Plan?
How Employer Sponsored Plans work -
2009 pre ACA -
Health Plan Costs
Set up a phone, skype or face to face consultation
Tools to help you figure out how much you should get
Life Insurance Buyers Guide
Video on how much coverage for death protection you need
Historical
California’s small business market in 2014 dropped by 11% to 2.1 million enrollees. Meanwhile, enrollment in the individual market increased by 47% to 2.18 million during the same period. The sharp uptick in the individual market largely was driven by Covered California and the availability of subsidies to help pay for premiums for plans purchased through the exchange.
Learn More⇒ CA Healthline 5.26.2015
Child, Related Pages & Site Map
- AB 1083 – PPACA – CA law to comply with Federal Law
- 90 Day Maximum Waiting Period?
- Definitions Health Care Reform
- EmployER Definition – Health Care Reform
- Grand Mothering SB 1446 – Unbelievable Rate Increases! Historical
- Insurance Companies must do these things
- Participation & Contribution Requirements
- Premium – Rating Factors
- AB 1672 – (1992 to 2013) Small Group Guaranteed Issue Historical
- Carriers – Companies
- COBRA – Right to Keep your Employer Group Health Coverage
- Corona Virus – How does Insurance Cover it?
- Dental, Vision, Supplemental
- Employer Health Plans – Introduction
- Employer Mandate for Health Insurance ACA 4980 h
- Paper & Excel Census-Quote Form – California
- Self Employed – Individual or Group Health Insurance?
- Site Map Divi
- Supplemental – Cancer
- Tax Credits Small Business §45 R
What are general rules around offering a plan to employees?
1. Is there minimum number of participation by employees required?
2. Minimum cost share structure by employer & employees?
I don’t know what questions to ask. Do you have an overview / guide for employers considering?
Thank you very much for your inquiry. I guess we might have gotten too technical on this site and skipped the basics.
We’ve revamped this page and put in a link to http://health coverage guide.org/part-one/group-coverage-basics/
We believe that will answer all your questions.
If you have more, please post or email us.
The premiums are a tax deduction for the employer and the employee does not have to report premiums or claim benefits as income. See our page on Section 106 of the Tax Code.
Check out our page on POP 125 plans so that the employee contribution is also a tax deduction for both employer and employee.
Here’s more on Participation Rules and scroll down to view the child pages too