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Group health insurance for your employees.

If you are putting health coverage in place, renewing it, or reviewing what you already offer, this is where the conversation starts. We'll learn about your group and help you review the coverage options available to you.

Discuss Group HealthWhat to have ready

Or call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.

FAQ

Group health insurance, explained plainly

Can my business use Covered California for Small Business?

The program is for businesses with 100 or fewer full-time-equivalent employees and at least one W-2 employee who isn’t the owner or the owner’s spouse. Most eligible employees must live or work in California, and the program has its own contribution and participation rules.

When do the federal ACA employer rules apply?

To employers that averaged at least 50 full-time employees, including full-time equivalents, in the previous calendar year. They must offer affordable coverage with minimum value to full-time employees, or they may owe a payment to the IRS.

What do Marketplace health plans cover?

All Marketplace plans cover ten essential health benefits, including outpatient care, emergency services, hospitalization, maternity and newborn care, mental health services, prescription drugs, lab services, preventive care and pediatric services.

Which employers must offer federal COBRA?

Generally, group health plans of employers with 20 or more employees in the prior year.

What is Cal-COBRA?

California’s continuation coverage for smaller groups. It applies when the group policy covered 2 to 19 employees on at least half of its working days in the prior calendar year.

Sources: Covered California for Small Business, eligibility · IRS, employer shared responsibility · HealthCare.gov, What Marketplace health insurance plans cover · U.S. Department of Labor, COBRA · California Department of Insurance, continuation coverage. Coverage, price and approval are decided by the insurance company.

What to have ready

  • How many employees you have
  • Where the business and employees are located
  • Desired effective date or current renewal date
  • What you have in place now, if anything
  • A basic employee census. We'll let you know which details are needed once we understand the coverage you're looking for.

What happens next

  1. We learn about your group and what you're looking for.
  2. We review what coverage options are available for your group.
  3. If you decide to move forward, we help coordinate the application and enrollment steps.
Discuss Group HealthCall (619) 382-3810

Not sure where to start?

Tell us about your group and what you have in place now. We will talk it through with you.

Start the conversation

You may also need

  • If you request a quote, a licensed insurance agent may contact you.
  • Insurance: Coverage, price and approval are decided by the insurance company.