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! 

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 POP 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. 




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Health Care Reform Explained

Covered CA Video's

What is Covered for Small Biz 2015


How can Covered CA help your Small Business?


Child, Related Pages & Site Map 


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

4 comments on “Employer Health Plans – Introduction

  1. 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?

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