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.
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.
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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?
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
Insubuy Travel Health Insurance
Instant Quotes, Details and ONLINE Enrollment
Child, Related Pages & Site Map
- AB 1083 – PPACA – CA law to comply with Federal Law
- 90 Day Maximum Waiting Period?
- Carrier Requirements
- CFR Code of Federal Regulations
- Definitions
- EmployER Definition – Health Care Reform
- EmployEE Definition
- HR 1624 Federal Repeal 51 to 100 Definition
- EmployER Definition – Health Care Reform
- Grand Mothering SB 1446 – Unbelievable Rate Increases!
- Participation & Contribution Requirements
- Premium – Rating Factors
- AB 1672 – (1992 to 2013) Historical
- Carriers – Companies
- Aetna
- Blue Cross – Anthem
- Blue Shield
- California Choice – A Private Exchange
- Health Net
- Kaiser Permanente – New Enrollment
- Oscar
- See the change – No longer writing business
- Self Funded Plans – Ben E Lect
- Sharp Health Plan
- SHOP – Covered CA for Small Business
- Sutter Health
- United Health Plan
- COBRA – Right to Keep your Employer Group Health Coverage
- Dental, Vision, Supplemental
- Employer Health Plans – Introduction
- Employer Mandate for Health Insurance ACA 4980 h
- Health Care Reform – Employer Provided Plans
- Medicare – Group Plans? Employer Mandate to report
- Paper & Excel Census-Quote Form – California
- Resources – Misc
- Self Employed – Group Health Insurance
- Site Map Divi
- Supplemental – Cancer
- Tax Credits Small Business §45 R
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
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