Small Business’s
EmployER Medical Plans
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Health Care Reform Explained
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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! The law allows up to 30% discounts for participation in wellness programs along with full tax deduction for the employer premiums (IRC Section 106) and no taxable income to your employees. If you are making your employees pay a portion of the premium, that too can be deductible for you and employees under a IRC Section 125 plan.
Before Health Care Reform – ACA – Obamacare we had AB 1672 (1992) where two employees were required, but husband & wife counted. Medical History and claims could make a difference in premiums of up to 20% under the Rating Adjustment Factor (RAF) system. Sole Proprietors, C Corps and husband & wife partnerships with no common law employees can still get guaranteed coverage in the Individual market, but must wait for Open Enrollment or Special Enrollment, like when their Pre ACA plan renews and they get bumped out. Their premiums (free quotes) can still be tax deductible, line 27 – 1040 or a business tax return.
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.
Feel free to call 310.519.1335 or email us [email protected] for more information.
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.
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
Health Coverage Guide.org 
- What Is Group Coverage?
- Is Insurance Required?
- Is Your Business Eligible for Group Coverage?
- Who Is Eligible for 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
Child, Related Pages & Site Map
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