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Small Business Health Insurance In California
Finding the right small business health insurance and providing cost-saving coverage for your California employees has never been more important. Here at Anthem, we’re ready to help you find reliable, affordable coverage that makes sense for your budget and your employees.
- Small Business Plans
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Group Health Plans Tailored To Small Businesses In California
At Anthem, we believe we can help solve the toughest healthcare challenges by offering:
A transformative, digital-first experience.
Meaningful connections through whole-person care.
Collaborative expertise with our network advantage.
Our California small business portfolio includes a variety of PPO, HMO, and qualified high deductible health plans along with a choice of networks for groups with 2 to 100 employees.
Why Choose Anthem Small Business Health Insurance
We offer a broad range of benefit and cost-share options to meet different situations and budgets. Whether HMO, PPO, POS, or other plan types, we have something that will fit your unique business needs.
Anthem features one of the broadest networks in the nation. As a Blue Cross Blue Shield card holder, your employees will have access to a network that includes 95% of doctors and 96% of hospitals in the U.S. One in three Americans carries a BCBS card — over 106 million members. (bcbs.com).
You’ll save valuable time managing your team’s benefits with EmployerAccess, our secure online tool. It’s a quick and easy way to review your account, enroll members, check eligibility, and order ID cards — all in one spot.
Your employees will benefit from 24/7 online visits with board-certified doctors; 1 access to quality providers within 10 miles of their home; and Sydney Health, 2 our mobile app that lets employees access their health plan anytime, anywhere.
Small Business Health Plans
Our small business health insurance portfolio includes a wide variety of plan options, along with broad network coverage for groups with 2 to 100 employees. We connect and coordinate all our benefits to work together and enhance all aspects of care. This helps lower your overall costs and makes benefit management easier, all while delivering more value to your employees.
Medical And Pharmacy Coverage
All of our small business medical insurance plans feature integrated pharmacy coverage. Plans are designed to work seamlessly together so physicians and medical professionals can deliver the right care, in the right setting, at the right time.
Include in-network preventive care coverage at 100% in compliance with the Affordable Care Act.
Powered by our custom-built pharmacy benefits manager, CarelonRx.
Additional Coverage
We offer additional insurance plans that you can combine with medical plans to offer a full range of coverage for your employees. When you combine Anthem plans, you automatically receive Whole Health Connection ® . It integrates medical, pharmacy, and other coverage to make managing all aspects of care simpler, smarter, and more cost-effective. By bundling medical with our other coverage options, you may also save up to 5%, depending on eligibility.
Competitive plans with 100% in-network coverage for preventive services.
Access to one of the largest vision networks in the nation, including over 40,000 eye doctors at more than 30,000 locations. (NetMinder data, November 2021.)
Benefits and services your employees and their families can take advantage of today.
Short and long term disability plans that integrate with your medical plan for seamless claims and faster returns to work.
Whole Health Options
Because health is more than an annual checkup, we support whole-person care, including:
Integrated Wellbeing Solutions programs to provide holistic care for a healthier, more productive workforce.
Products and strategies for promoting behavioral health at work and beyond.
Assist with work and life challenges ranging from stress to finding care for loved ones to dealing with legal issues – at no added cost to your employees.
Did You Know?
You can buy health insurance coverage at any time; there is no special enrollment period for health insurance for small businesses.
To learn more about which Small Business plans may be right for you, or to get a quote, please reach out to your Agent or Broker.
Select Request A Quote to get a personalized quote that fits your unique business needs.
Don’t have a broker? Just give us a call at tel
The Confidence Of Community
Our associates live and work in the same places you do. We’re all members of the communities we serve and partners in helping those communities thrive.
In California, Anthem is proud to have 7.9 million members, 7,310 associates and 85 years in the local market.
In 2021 we supported California communities and local nonprofits by donating:
$8 million in open community giving activity.
$1.1 million generated through associate donations and volunteer hours.
8,293 employee volunteer hours through Anthem’s Dollars for Doers.
Take The Next Step
Let us help you get started today.
1 Member cost share for primary care physician office visit may apply.
2 Sydney Health is offered through an arrangement with CareMarket, Inc., a separate company offering mobile application services on behalf of Anthem Blue Cross and Blue Shield ©2021-2022.
Not connected with or endorsed by the U.S. Government or the federal Medicare program.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company. This policy has exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, please contact your agent or the health plan.
Attention: If you speak any language other than English, language assistance services, free of charge, are available to you. Call our Customer Service number, (TTY: 711).
ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame a nuestro número de Servicio de Atención al Cliente (TTY: 711).
注意：如 果您使用非英語的其他語言，您可以免費獲得語言援助服務。請致電聯絡客戶服務部（聽語 障用戶請致電：711）。
Note: A member’s benefits booklet identifies if the plan is regulated by the Department of Managed Health Care or the Department of Insurance. In accordance with state requirement, Anthem publishes the notices of language assistance supporting our members.
CA Dept. of Insurance
Curious to know what all this says? We would be too. Here’s the English version:
No Cost Language Services. You can get an interpreter. You can get documents read to you and some sent to you in your language. For help, call us at the number listed on your ID card or 1-888-254-2721. For more help call the CA Dept. of Insurance at 1-800-927-4357. (TTY/TDD: 711)
Other Languages
Servicios lingüísticos sin costo. Puede tener un intérprete. Puede solicitar que le lean los documentos y algunos puede recibirlos en su idioma. Para obtener ayuda, llámenos al número que figura en su tarjeta de identificación o al 1-888-254-2721. Para obtener ayuda adicional, llame al Departamento de Seguros de California al 1-800-927-4357. (TTY/TDD: 711)
قرأُ يتم تقديم خدمات اللغة دون مقابل .يمكنك الاستعانة بمترجم .ويمكنك المطالبة بأن ت لك بعض المستندات وأن رسل ُي بعضھا بلغتك .للحصول على المساعدة، للحصول على مزيد من المساعدة، رجى .1- 888-254-2721 اتصل بنا على الرقم الموجود على بطاقة التعريف الخاصة بك أو على الرقم ُي الاتصال بإدارة (711 :TDD/TTY) .1- 800-927-4357 كاليفورنيا للتأمين على الرقم
Թարգմանչական անվճար ծառայություններ: Մենք կարող ենք Ձեզ թարգմանչի ծառայություններ առաջարկել Կարող ենք տրամադրել ինչ-որ մեկին, ով փաստաթղթերը կկարդա Ձեզ համար և կուղարկի դրանք Ձեր լեզվով: Օգնություն ստանալու համար զանգահարեք մեզ Ձեզ ID քարտի վրա նշված հեռախոսահամարով կամ 1-888-254-2721 համարով: Լրացուցիչ օգնության համար զանգահարեք Կալիֆոռնիայի ապահովագրության նախարարություն հետևյալ հեռախոսահամարով՝ 1-800-927-4357: (TTY/TDD: 711)
免費語言服務。您能獲得免費的譯員。您能聽到以您的語言讀出的文件內容，也能獲得以您的語言而寫的部分文件。 如需協助，請撥打您的 ID 卡上的號碼或者 1-888-254-2721 聯絡我們。如需更多協助，請撥打 1-800-927-4357 聯絡 CA Dept. of Insurance。(TTY/TDD: 711)
خدمات رايگان زبانی .می می توانيد يک مترجم شفاھی بگيريد . توانيد بخواھيد اسناد را برای شما بخوانند و برخی اسناد نيز به زبان خودتان برايتان ارسال شود .برای دريافت کمک، از طريق شماره فھرست شده در کا شناسايی رت 25 -2721 تان و يا از طريق 4-8881- با ما تماس بگيريد .برای دريافت . 1- 800-927-4357 کمکھای بيشتر با اداره بيمه کاليفرنيا به شماره (711 :TDD/TTY) تماس بگيريد
िबना लागत की भाषा सेवाएँ। आप दुभािषया प्रात कर सकते ह। आप दतावेज़ पढ़वा सकते ह और कुछ दतावेज़ आपको आपकी भाषा म भेजे जा सकते ह। मदद के िलए, हम अपने ID काडर् पर सूचीबद्ध नंबर पर या 1-888-254-2721 पर कॉल कर। अिधक मदद के िलए 1-800-927-4357 पर CA बीमा िवभाग कोकॉल कर। (TTY/TDD: 711)
Tsis Xam Tus Nqi Cov Kev Pab Cuam Ntsig Txog Hom Lus. Koj muaj peev xwm tau txais ib tus neeg txhais lus. Koj muaj peev xwm tau txais cov ntaub ntawv nyeem ua koj hom lus rau koj mloog thiab yuav xa ib co ntaub ntawv sau ua koj hom lus tuaj rau koj. Txog rau kev pab, hu rau peb tus nab npawb xov tooj teev tseg cia nyob rau ntawm koj daim ID los sis 1-888-254-2721. Txog rau kev pab ntxiv, hu xov tooj rau Pab Kas Phais Lub Chaw Ua Hauj Lwm CA tus xov tooj 1-800-927-4357. (TTY/TDD: 711)
無料言語サービス。通訳サービスを受けられます。希望する言語で文書を読み上げたり、文書を送るサービスも 可能です。支援を受けるには、IDカードに記載された番号、または 1-888-254-2721 にお電話ください。支援の 詳細は、カリフォルニア州保険局（1-800-927-4357）にお電話ください。(TTY/TDD: 711)
េសវាភាសាឥតគិតៃថល។ អនកអាចទទួលអនកបកែរបមាន ក់។ អនកអាចឲយេគអានឯកសារេផសងៗជូនអនក និងេផញើឯកសារជូនអនកជាភាសារបស់អនក។ េដើមបីទទួលជំនួយ សូមេហៅ ទូរស័ពទមកេយើងតាមេលខែដលបានរាយេនៅេលើប័ណណ ID របស់អនក ឬក៏េលខ 1-888-254-2721។ េដើមបីទទួលជំនួយបែនថម សូមេហៅទូរស័ពទេទៅ CA Dept. of Insurance តាមេលខ 1-800-927-4357។(TTY/TDD: 711)
무료 언어 서비스. 번역사를 이용하실 수 있습니다. 귀하의 언어로 녹음되어 작성된 문서를 받아보실 수 있습니다. 도움을 받으시려면 ID 카드에 기재된 번호 또는 1-888-254-2721로 전화하십시오. 다른 도움이 필요하시면 1-800-927-4357로 보험 CA 부서에 문의 주십시오. (TTY/TDD: 711)
ਿਬਨਾਂ ਿਕਸੇ ਲਾਗਤ ਦੇ ਭਾਸ਼ਾ ਸੇਵਾਵਾਂ। ਤੁਸ ਇੱ ਕ ਦੁਭਾਸ਼ੀਆ ਪ੍ਰਾਪਤ ਕਰ ਸਕਦੇ ਹੋ। ਕੋਈ ਤੁਹਾ ੰਨੂ ਦਸਤਾਵਜ਼ੇ ਪੜ੍ਹ ਕੇ ਸੁਣਾ ਸਕਦਾ ਹੈ ਅਤੇ ਕੁਝ ਤੁਹਾਡੀ ਭਾਸ਼ਾ ਿਵੱ ਚ ਤੁਹਾ ੰਨੂ ਭੇਜੇ ਜਾ ਸਕਦੇ ਹਨ। ਮਦਦ ਲਈ, ਸਾ ੰਨੂ ਤੁਹਾਡੇ ਆਈਡੀ ਕਾਰਡ ਉੱਤੇ ਸੂਚੀਬੱ ਧ ੰਨਬਰ ਜਾਂ 1-888-254-2721 ਤੇ ਕਾਲ ਕਰੋ। ਿਜ਼ਆਦਾ ਮਦਦ ਲਈ, ਸੀਏ ਿਡਪਾਰਟਮਟ ਔਫ ਇਨਸ਼ੋਰਸ ੰਨੂ 1-800-927-4357 ਤੇ ਕਾਲ ਕਰੋ।(TTY/TDD: 711)
Бесплатные языковые услуги. Вы можете получить услуги устного переводчика. Вам могут прочитать документы или направить некоторые из них на вашем языке. Для получения помощи звоните нам по телефону, указанному на вашей идентификационной карте, или по номеру 1-888-254-2721. Для получения дополнительной помощи звоните в Департамент страхования штата Калифорния по номеру 1-800-927-4357. (TTY/TDD: 711)
Mga Libreng Serbisyo para sa Wika. Maaari kayong kumuha ng interpreter. Maaari ninyong ipabasa ang mga dokumento at ipadala ang ilan sa mga ito sa inyo sa wikang ginagamit ninyo. Para sa tulong, tawagan kami sa numerong nakalista sa inyong ID card o sa 1-888-254-2721. Para sa higit pang tulong, tawagan ang CA Dept. of Insurance sa 1-800-927-4357. (TTY/TDD: 711)
ไมม่คี่าบริการเกี่ยวกับภาษา ท่านสามารถขอใช ้บริการล่ามได ้ท่านสามารถขอให ้เจ ้าหน้าทอี่่านเอกสารได ้ท่านฟังและเอกสาร บางอย่างจะส่งถึงท่านโดยใช ้ภาษาของท่าน หากต ้องการความช่วยเหลอื โปรดโทรหาเราตามหมายเลขที่ระบุอยู่บนบัตร ประจําตัวของท่านหรือที่หมายเลข 1-888-254-2721 หากต ้องการความช่วยเหลือเพิ่มเตมิ โปรดโทรติดต่อแผนก CA Dept. of Insurance ที่หมายเลข 1-800-927-4357 (TTY/TDD: 711)
Các Dịch Vụ Ngôn Ngữ Miễn Phí. Quý vị có thể có thông dịch viên. Quý vị có thể yêu cầu đọc tài liệu cho quý vị nghe và yêu cầu gửi một số tài liệu bằng ngôn ngữ của quý vị cho quý vị. Để được trợ giúp, hãy gọi cho số được ghi trên thẻ ID của quý vị hoặc số 1-888-254-2721. Để được giúp đỡ thêm, hãy gọi cho Sở Bảo Hiểm California (California Department of Insurance) theo số 1-800-927-4357. (TTY/TDD: 711)
CA Dept. of Managed Health Care
IMPORTANT: Can you read this letter? If not, we can have somebody help you read it. You may also be able to get this letter written in your language. For free help, please call right away at 1-888-254-2721. (TTY/TDD: 711)
IMPORTANTE: ¿Puede leer esta carta? De lo contrario, podemos hacer que alguien lo ayude a leerla. También puede recibir esta carta escrita en su idioma. Para obtener ayuda gratuita, llame de inmediato al 1-888-254-2721. (TTY/TDD: 711)
اً مهم :هل يمكنك قراءة هذه الرسالة؟ إذا لم تستطع، فيمكننا الاستعانة بشخص ما ليساعدك على قراءتها .كما يمكنك اً أيض الحصول على هذا الخطاب مكتوب بلغتك . اً للحصول على المساعدة المجانية، ُيرجى الاتصال 711 ( .1-888-254-2721 فور بالرقم :TTD/TTY)
ՈՒՇԱԴՐՈՒԹՅՈՒՆ. Կարողանո՞ւմ եք ընթերցել այս նամակը: Եթե ոչ, մենք կարող ենք տրամադրել ինչ-որ մեկին, ով կօգնի Ձեզ՝ կարդալ այն: Կարող ենք նաև այս նամակը Ձեզ գրավոր տարբերակով տրամադրել: Անվճար օգնություն ստանալու համար կարող եք անհապաղ զանգահարել 1-888-254-2721 հեռախոսահամարով: (TTY/TDD: 711)
重要事項：您能看懂這封信函嗎？如果您看不懂，我們能夠找人協助您。您有可能可以獲得以您的語言而寫的本信 函。如需免費協助，請立即撥打1-888-254-2721。(TTY/TDD: 711)
مهم :آيا میتوانيد اين نامه را بخوانيد؟ اگر نمیتوانيد، میتوانيم شخصی را به شما معرفی کنيم تا در خواندن اين نامه شما را کمک کند .همچنين میتوانيد اين . تماس بگيريد 1-888-254-2721 نامه را به صورت مکتوب به زبان خودتان دريافت کنيد .برای دريافت کمک رايگان، همين حالا با شماره (711 :TTD/TTY)
महत्वपूर्ण: क्या आप यह पत्र पढ़ सकते हैं? अगर नह ीं, तो हम आपको इसे पढ़ने में मदद करने के लिए ककसी को उपिब्ध करा सकते हैं। आप यह पत्र अपनी भाषा में लिखवाने में भी सक्षम हो सकते हैं। ननिःशुल्क मदद के लिए, कृपया 1-888-254-2721 पर तुरींत कॉि करें। (TTY/TDD: 711)
TSEEM CEEB: Koj puas muaj peev xwm nyeem tau daim ntawv no? Yog hais tias koj nyeem tsis tau, peb muaj peev xwm cia lwm tus pab nyeem rau koj mloog. Tsis tas li ntawd tej zaum koj kuj tseem yuav tau txais daim ntawv no sau ua koj hom lus thiab. Txog rau kev pab dawb, thov hu tam sim no rau tus xov tooj 1-888-254-2721. (TTY/TDD: 711)
重要：この書簡を読めますか？もし読めない場合には、内容を理解するための支援を受けることができます。また、この書簡を希望 する言語で書いたものを入手することもできます。次の番号にいますぐ電話して、無料支援を受けてください。 1-888-254-2721 (TTY/TDD: 711)
សំខាន់៖ តតើអ្នកអាចអានលិខិតតនេះតេ? ត ើមិនអាចតេ ត ើងអាចឲ្យនរណាម្ននក់អានវាជូនអ្នក។ អ្នកក៏អាចេេួលលិខិតតនេះតោ សរតសរជាភាសារ ស់អ្នកផងដែរ។ តែើមបីេេួលជំនួ ឥតគិតថ្លៃ សូមតៅេូរស័ព្ទភាៃមៗតៅតលខ 1-888-254-2721។ (TTY/TDD: 711)
중요: 이 서신을 읽으실 수 있으십니까? 읽으실 수 없을 경우 도움을 드릴 사람이 있습니다. 귀하가 사용하는 언어로 쓰여진 서신을 받으실 수도 있습니다. 무료 도움을 받으시려면 즉시 1-888-254-2721로 전화하십시오. (TTY/TDD: 711)
ਮਹੱਤਵਪੂਰਨ: ਕੀ ਤੁਸੀਂ ਇਹ ਪੱਤਰ ਪੜ੍ਹ ਸਕਦੇ ਹੋ? ਜੇ ਨਹੀਂ, ਤ ਾਂ ਅਸੀਂ ਇਸ ਨੂੂੰ ਪੜ੍ਹਨ ਵਵੱਚ ਤੁਹ ਡੀ ਮਦਦ ਲਈ ਵਕਸੇ ਨੂੂੰ ਬੁਲ ਸਕਦ ਹ ਾਂ ਤੁਸੀਂ ਸ਼ ਇਦ ਪੱਤਰ ਨੂੂੰ ਆਪਣੀ ਭ ਸ਼ ਵਵੱਚ ਵਲਵਿਆ ਹੋਇਆ ਵਬੀ ਪਰ ਪਤ ਕਰ ਸਕਦੇ ਹੋ। ਮੁਫ਼ਤ ਮਦਦ ਲਈ, ਵਕਰਪ ਕਰਕੇ ਫੌਰਨ 1-888-254-2721 ਤੇ ਕ ਲ ਕਰੋ। (TTY/TDD: 711)
ВАЖНО. Можете ли вы прочитать данное письмо? Если нет, наш специалист поможет вам в этом. Вы также можете получить данное письмо на вашем языке. Для получения бесплатной помощи звоните по номеру 1-888-254-2721. (TTY/TDD: 711)
MAHALAGA: Nababasa ba ninyo ang liham na ito? Kung hindi, may taong maaaring tumulong sa inyo sa pagbasa nito. Maaari ninyo ring makuha ang liham na ito nang nakasulat sa ginagamit ninyong wika. Para sa libreng tulong, mangyaring tumawag kaagad sa 1-888-254-2721. (TTY/TDD: 711)
หมายเหตุส าคัญ: ทา่นสามารถอา่นจดหมายฉบับนหี้รอืไม่ หากทา่นไม่สามารถอา่นจดหมายฉบับนี้ เราสามารถจัดหาเจา้หนา้ทมี่าอา่นใหท้า่นฟังได้ ท่านยังอาจให้เจ้าหน้าที่ช่วยเขียนจดหมายในภาษาของท่านอีกด้วย หากต้องการความช่วยเหลือโดยไม่มีค่าใช้จ่าย โปรดโทรตดิตอ่ทหี่มายเลข 1-888-254-2721 (TTY/TDD: 711)
QUAN TRỌNG: Quý vị có thể đọc thư này hay không? Nếu không, chúng tôi có thể bố trí người giúp quý vị đọc thư này. Quý vị cũng có thể nhận thư này bằng ngôn ngữ của quý vị. Để được giúp đỡ miễn phí, vui lòng gọi ngay số 1-888-254-2721. (TTY/TDD: 711)
Need more help? Call Covered California for Small Business (CCSB) at (844) 332-8384 Monday through Friday between 8 a.m. and 5 p.m., excluding holidays.
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Helping small businesses across California stay healthy
At Blue Shield of California, our mission is to ensure all Californians have access to high-quality health care at an affordable price. We offer your employees access to a broad range of hospitals, physicians, pharmacies, dental and vision professionals and other providers.
Blue Shield of California offers two packages to small businesses outside of Covered California for Small Business. You select the package and then select plans within that package to offer your employees. You can offer plans from the Off-Exchange Package or the Mirror Package, but not both.
In This Section
Off-exchange package.
This package offers 60 plan options for small businesses, which include PPO plans, HSA-compatible PPO HDHPs, and HMO plans with a choice of Access+ HMO, Local Access+ HMO, Trio HMO, and Tandem PPO plans provider networks.
Mirror Package
This package offers seven plan options for small businesses purchased through your broker directly from Blue Shield of California or Covered California for Small Business.
Get summary of benefits for small businesses listed by effective date.
For additional information, contact your broker or Blue Shield representative.
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California Small Business Health Insurance
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California Group Health Insurance Made Easy with eHealth
Shop California health insurance plans for your small business! eHealth's licensed agents can provide personalized recommendations and guidance through the application and enrollment process. Compare free quotes with no expectations to enroll and no pressure from our agents.
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If you ever need help dealing with the health insurance company regarding claims, billing or need any assistance, we'll be there for you., we have the best prices, prices are fixed by law. we will have the best prices on any health plan we sell., we're unbiased, we will empower you with decision making tools so that you decide what health plan is best for you., ehealth can help with health reimbursement arrangements.
To learn more about your options, call 1- , or click here to get a quote.
Does your small business qualify for California health tax credit?
Number of full-time workers the company employs is within, average annual wage per worker must be less than, minimum employer contribution toward employee coverage is.
If you are a small business owner with 25 full-time employees or less, and pay an average salary less than or equal to $50,000 a year, you might be eligible for a tax credit.* This tax credit was created under the Patient Protection and Affordable Care Act (PPACA) in order to give small businesses and tax-exempt organizations a break on the cost of group health insurance for their employees.
The federal tax credit will reimburse qualifying small businesses for up to 50% of the premiums they pay towards employee medical, vision and dental insurance. Tax-exempt organizations may qualify for a tax credit of up to 35% of premium expenses.
*In some states, the tax credit only applies to Qualifying Health Plans (QHPs) bought through government exchanges. Other restrictions may apply.
Small businesses with fewer than 10 full-time employees that pay average annual wages of $25,000 or less may qualify for the full credit. The amount of the credit is reduced for companies with more full-time workers and higher wages, until it is phased out entirely for those with 25 or more full-time workers and average annual wages over $50,000.
Because eligibility rules are based in part on the number of full-time employees, not the total number of all employees, businesses that use part-time help may qualify even if they employ more than 25 individuals.
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We offer a broad selection of California health plans for individuals, families and small businesses from most of the leading California health insurance companies.
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Frequently asked questions
Do small employers have to offer health insurance in california, how much does small business health insurance cost in california, how many employees do you need for group health insurance in california, california resources for small businesses.
Business owners in California can expand their health insurance offerings to include group dental insurance and group vision insurance . California small business owners can also refer to the following resources about owning and operating a small business in California :
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Small Business Plans in California
Find a health care plan for your small business
Our plans are priced with your business in mind. In fact, Kaiser Permanente has been rated the most cost-efficient plan in the markets we serve.* Let us help you make the right investment in your business — for yourself, and for your employees.
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Put your best foot forward with a health plan that’s better for your business & your budget..
The following types of plans are available in California. Each one meets the requirements of the Affordable Care Act (ACA).
Copayment HMO plans
Predictable copayments and out-of-pocket maximums
Deductible HMO plans
More choice and lower premiums
HRA and HSA-qualified plans
Lower premiums plus tax savings†
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The metal naming system was created as part of the ACA to make it easier for you to shop and compare plans. In general, the higher the metal value, the greater the coverage.
*In a comparison of health plans across the United States, the national consulting firm Aon Hewitt reported for the eighth year in a row that we’re the most cost-efficient plan in the markets we serve — 12 percent more cost-effective than the average HMO and 17 percent more cost-effective than the all-plan average. Aon Hewitt Health Value Initiative™ benchmarking study — Kaiser Foundation Health Plan, Inc., Aon Hewitt, October 12, 2016. Results based on 2015 performance year. To get a copy of the Aon Hewitt Health Value Initiative report for your region, contact your account manager. †The tax references in this website are provided for informational purposes only. Consult with your financial or tax advisor or attorney for advice about federal and state income tax laws. Some plan options, products, and riders not available in all areas.
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Kaiser Permanente health plans around the country: Kaiser Foundation Health Plan, Inc., in Northern and Southern California and Hawaii • Kaiser Foundation Health Plan of Colorado • Kaiser Foundation Health Plan of Georgia, Inc., Nine Piedmont Center, 3495 Piedmont Road NE, Atlanta, GA 30305 • Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc., in Maryland, Virginia, and Washington, D.C., 2101 E. Jefferson St., Rockville, MD 20852 • Kaiser Foundation Health Plan of the Northwest, 500 NE Multnomah St., Suite 100, Portland, OR 97232 • Kaiser Foundation Health Plan of Washington or Kaiser Foundation Health Plan of Washington Options, Inc., 1300 SW 27th St., Renton, WA 98057
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Lowest Prices.
You will find the lowest prices available for health care coverage. Based on your income and household size, you may also qualify for government discounts through the Affordable Care Act. Our rates cannot be beat.
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We have made the process as easy as possible. Get accurate quotes in seconds without having to give your email or phone number. Use online tools to help you quickly find the plan that best suits your needs. And, enroll in minutes on your computer or mobile device using our quick and easy online process.
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Covered California Small Business
Covered California has two different programs: Individual Health Plans and Covered California for Small Business (also called SHOP). SHOP acts like a hub that brings together insurance providers on behalf of businesses. It aggregates small business medical plans, obtains information on their pricing and benefits, enrolls employees and consolidates billing. Employers are free to choose how many plans to offer and how much to pay in premiums, while receiving one bill and writing a single check for all their employees.
More Benefits of SHOP
Other benefits of SHOP include:
- Certifying, rectifying and decertifying health plans on the exchange
- Rating every single plan according to price and quality
- Standardizing information on health plans for consumers
- Having an electronic calculator that businesses can use to find out potential eligibility for business tax credits
How SHOP Helps Small Businesses in California
Here’s a look at how SHOP can help small businesses in California better afford health insurance for their employees:
1. More Choice and Flexibility
Apart from HMO, EPO, HSA and PPO plans, employers who enroll in Covered California can offer their employees multiple carriers and levels of coverage.
2. Ability to Compare Plans Side-By-Side
Employers can now compare plans side-by-side. Most small businesses don’t have quick and easy access to information on health care options. Covered California organizes this information for them in an easy-to-use web portal.
3. Protection Guarantee
Covered California helps small businesses reduce health care costs by:
- Offering employers a potential business tax credit s of up to 50% of the employer’s premium contribution for employee health coverage
- Allowing healthy competition between health care plans to drive health care costs down
- Giving employees an opportunity to contribute to their coverage in case they need more comprehensive health care
- Keeping employees healthier, reducing absenteeism and improving productivity at the workplace
What Benefits Does SHOP Offer?
The law requires that SHOP offers ACA compliant medical coverage including the 10 essential benefits which are: emergency services, hospitalization services, ambulatory services, prescription medications, maternity and breastfeeding support, laboratory services, preventative and wellness benefits, mental health and drug abuse services, and pediatric services (including dental and vision care for kids).
Types of Health Plans on SHOP
Covered California has four levels of health plans, each offering the required benefits. The employer chooses the level(s) of coverage to offer, and employees are free to pick any plan within those levels. The four levels are based on specific metal tiers and include the following:
- Bronze : The plan pays 60% of health care costs.
- Silver : The plan pays 70% of health care costs.
- Gold : The plan pays 80% of health care costs.
- Platinum : The plan pays 90% of health care costs.
Health plans in the Covered California insurance Small Business exchange are required to offer at least one plan from the above four categories.
Click the “Get a Quote” button on this page to compare California Small business insurance quotes instantly. Call (877) 752-4737 for immediate assistance or to purchase a plan. We offer free quotes and advice for California small business medical plans.
Not sure how Obamacare affects your health care plans in California? Learn how the ACA works in California, including benefits, costs and enrollment.
Covered California is the Golden State’s official health exchange marketplace where individuals, families and small businesses can find high-quality, low-cost California government health insurance.
Learn about Obamacare income guidelines in California using our income limits chart, and see if you’re eligible for government assistance.
Learn about the Covered California website. Find easy online enrollment. Set up your account, log in, buy insurance and more on the California health marketplace website.
Health insurance for your business and employees
Sole proprietor or self-employed? Find out more about your coverage options.
Learn about HRAs
You now have more ways to contribute to your employees’ health care costs — with Health Reimbursement Arrangements (HRAs). Use this guide to help you compare coverage options, like HRAs and group health plans. Find out what’s right for your business.
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Small Business Insurance in Los Angeles & Group Health Insurance Plans
Group health insurance plans are different than policies for individuals and families. Small business health insurance plans have more regulations, and their terms are more complicated than individual plans. The Patient Protection and Affordable Care Act also had an effect on insurance coverage and rates for group health insurance plans,. We are here to help Los Angeles (LA) California small businesses understand the differences.
You should talk to a Harmony Health insurance broker to learn all the ins and outs of California group health insurance, including frequently asked questions like the 2020 / 2019 cost of small business health insurance, Los Angeles. However, we’ve assembled some basic information to help you understand group coverage better as well as small business liability insurance Los Angeles. Read on to learn why we’re one of the best small business insurance brokers Los Angeles.
What Is Group Health Insurance?
Group health insurance is a single policy that covers an entire group of people. The most common group that purchases a group plan is a business with employees. That’s not the only organization that can benefit from a group plan. Other organizations can also purchase insurance for their members. This applies to California small businesses, as well.
Individual health insurance policies used to base their rates on the individual health history of the applicant. The new healthcare law changed that. The new law protects people with preexisting conditions from being denied insurance. In a way, individual health insurance plans purchased through the Affordable Care Act make you a small part of an enormous group plan.
Group health insurance rates are based on general information for the members of the group. The type of organization that purchases that policy can also affect the rates. That’s because group plans are based on a pool of insured persons that can change. As people leave the group, and others take their place, the makeup of the pool changes.
Harmony can help you to find the right Los Angeles business insurance for small business.
Is Small Business Health Insurance Mandatory?
Yes and no. The number of people working for a business decides whether an employer must offer health insurance to their employees. California small businesses are largely exempt. If your business has fewer than 50 full-time employees, it’s considered a small business. There are some exceptions to this rule, however. If your business employs a large number of part-time employees, the government may use a standard called full-time-equivalent employment to determine your status. Your group health insurance broker can fill you in on the details.
Who Is Eligible?
With a few exceptions, when a small business offers group health insurance to any of its full-time employees, it must offer insurance to all full-time staff. Employers can also extend coverage to part-time workers. However, if they offer it to even one part-time employee, they’ll have to offer it to all part-timers.
If an employee is eligible for the group health insurance plan, they can’t be refused due to preexisting medical conditions. That also applies to members of their families. Some group health insurance policies allow spouses, children and other dependents to sign up for coverage as well as the employee.
What Portion Do Employers Pay of Health Insurance Plans? What Are My Options?
Many employers pay the entire cost of group insurance for their employees. This isn’t required, however. Some businesses make their employees pay part of their premiums. The Affordable Care Act offers many tax credits for businesses to offset the cost of group insurance. If employees pay at least half of the premiums for their employers, they may qualify for up to a 50 percent tax credit. These tax credits are based on complicated rules, so it pays to ask your Los Angeles health insurance broker and your accountant for full details.
Find Out More
Not all businesses need to offer group health insurance to comply with federal and state laws. However, small business health insurance is an important perk that employees value very highly. If you’d like to offer health insurance to improve employee morale and retention rates, contact Harmony Health Insurance Services for more information on this and small business insurance Los Angeles.
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Best Small Business Health Insurance Providers Of 2023
Fact Checked
Updated: Jan 3, 2023, 1:56am
If you own a small business and are looking to attract—and keep—employees, providing health insurance to your workers may help.
Which health insurance company is the best for small businesses? The health insurance marketplace is vast, but we did the initial research for you and ranked the best health insurance companies for small business owners.
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Best Health Insurance Companies for Small Business Owners
Kaiser permanente, blue cross blue shield, unitedhealthcare, summary: ratings of health insurance for small business owners, how does small business health insurance work, small business health insurance options, small business health insurance requirements, average cost of health insurance for a small business, how to compare small business health insurance plans, methodology.
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Availability.
8 states and Washington, D.C.
Provider network
39 hospitals and 734 medical facilities with 23,656 physicians
Telehealth offered?
Kaiser Permanente is a nonprofit organization that combines health insurance and the delivery of health services through integrated care so members get a “coordinated experience.” In addition to hospitals operated by Kaiser, its network includes doctors, pharmacies, labs, imaging and other services. This integrated approach has resulted in a very low level of complaints from members.
Kaiser Permanente is available in California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington and Washington, D.C.
Kaiser’s Thrive Local is a referral system that connects members to non-medical and socioeconomic services they may need, such as services for a disability.
50 states and Washington, D.C.
Varies by Blue Cross Blue Shield plan
Blue Cross Blue Shield (BCBS) is made up of 34 independent and locally operated health insurance companies. Members of certain BCBS plans can join Blue365 for free health and wellness discounts. There are discounts for fitness products, such as Fitbit, hearing and vision, such as Target Optical, and meal boxes from Freshly.
Members also get access to doctors and hospitals in more than 200 countries through Blue Cross Blue Shield Global Core.
Forbes Advisor’s analysis of all Blue Cross Blue Shield plans found that member complaints are generally low. Notable exceptions to this are in California, where Blue Shield of California has a complaint level that’s more than four times the industry average. Also, Anthem Blue Cross in California has twice as many complaints as the industry average. And Anthem Blue Cross and Blue Shield in New Hampshire garners almost five times the average number of complaints.
But for the most part, BCBS health insurance plans around the country deliver customer happiness and a large provider network.
49 states and D.C.
(not available in New York)
1.3 million physicians and care professionals and 6,500 hospitals and care facilities across the U.S.
UnitedHealthcare offers insurance coverage in nearly every state.
Beyond employer-sponsored plans, UnitedHealthcare also offers coverage through the Affordable Care Act plans, Medicare, Medicaid, short-term health insurance and supplemental insurance, including critical illness insurance.
Some UnitedHealthcare plans offer additional benefits, including $0 primary care physician visits and copays, unlimited virtual visits, adult vision and dental and prescription drug delivery.
The Affordable Care Act (ACA) defines a small business as a group of no more than 50 full-time employees (FTE), though some states define it differently. California, for instance, categorizes small businesses as employers of no more than 100 FTE. Small business owners aren’t legally required to provide health insurance to their workers, but there are rules for those who do.
A small business owner enrolls in a group health insurance plan offered by a private insurance company and then offers their employees the opportunity to enroll in that plan. The employer pays part of their employees’ monthly premiums, and the employees are typically responsible for their deductibles, copays and services not covered by the plan.
Thanks to the ACA, small business owners can buy health insurance for their employees through approved insurance companies with the Small Business Health Options Program (SHOP). Getting insurance through the SHOP Marketplace allows employers to offer health plans from multiple insurance companies and qualifies them for the Small Business Health Care Tax Credit, which can help with the cost of providing coverage.
Your business must meet these requirements to qualify for the SHOP tax credit:
- Fewer than 25 full-time equivalent (FTE) employees
- Average employee salary is about $56,000 per year or less
- Pay at least 50% of your full-time employees’ premium costs
- Offer SHOP coverage to all full-time employees
Small business owners can also work with a health insurance broker who conducts all plan research and comparisons to find the best plan for your business at no additional charge.
Group plans for small businesses are organized by “metal” tiers:
Each tier features different premiums, deductibles, copays and out-of-pocket limits, catering to people who prefer to pay higher monthly premiums for more extensive coverage and those who’d rather pay a lower monthly premium and risk higher coverage costs in the event that they need to seek care. Employers have flexibility in which type of plans they choose to offer their employees.
Small business owners do not have to provide health insurance benefits to employees. Should they choose to do so, they must meet certain requirements set by the ACA below. These requirements can vary by state.
Inclusivity
Health insurance must be offered to all employees—not just managers or any other subgroup.
Coverage of essential health benefits
Under the ACA, a health plan offered by a small business owner must include coverage for basics, such as emergency services, pregnancy-related care and services, maternity and newborn care, outpatient care, prescription drugs and more.
Minimum contribution
The ACA requires small businesses to contribute at least 50% of the monthly premium cost of the plans they offer to qualify for the Small Business Health Care Tax Credit. In addition to these rules, states typically require a minimum percentage of employee participation in health insurance plans offered by small businesses, says Bruce Jugan, president of BenefitsCafe.com, an insurance broker in Montebello, California. “The reason behind this [rule] is if there are 10 employees in a company and only three enroll, it’s likely that those three are really sick.” To better distribute the costs, total enrollment should be a mix of individuals with varying health statuses.
The average cost for small business owners is $547 per employee per month and $1,175 for family coverage per month , according to Kaiser Family Foundation’s 2021 Employer Health Benefits Survey.
The exact cost depends on multiple factors, including the type of plan, workers’ age and health status. A year of high employee health care costs could lead to higher health insurance rates set by the insurance company the next year.
How to Get Health Insurance for a Small Business
You have several options when it comes to searching for the right plan options for your small business:
Do your own footwork
Small business owners can sort through options from different insurance companies to compare prices and services and enroll in a plan that meets their needs. Most health insurance companies offer a number of plans for small businesses. By plugging a minimal amount of information into forms on their websites (your ZIP code and number of employees), you can see plan choices and costs.
Work with an insurance broker
Insurance brokers know the ins and outs of health insurance plans, as well as state and federal requirements. Just be sure you’re working with an independent or agnostic broker who will show you all plans available to you to best meet your needs.
Explore the SHOP Marketplace
At Healthcare.gov you’ll find helpful calculation tools and clear choices for high-quality group insurance plans.
Choosing a small business health insurance plan requires you to act similar to a consumer buying an individual health insurance plan on the Affordable Care Act marketplace.
Here’s what to look at when comparing small business health insurance plans:
Benefit design
See what types of health plans a company offers, including preferred provider organization (PPO) plans, health maintenance organization (HMO) plans and exclusive provider organization (EPO) . The benefit design dictates whether employees can get out-of-network care and need referrals to see specialists. One employee may like the lower premiums in an HMO and not have a problem staying in-network, while another may prefer the flexibility of a PPO with the understanding that they will pay more in premiums. Providing employees options can help with employee satisfaction.
A health insurance premium is what members pay to have coverage. This usually gets deducted from paychecks. Employers pay most of the premiums, so businesses will need to figure out how much coverage will cost them and their employees.
Out-of-pocket costs
Deductibles, co-insurance and out-of-pocket maximums play vital roles in how much members pay when they need health care services.
Major health insurance companies contract with providers and medical facilities like hospitals. These contracts decide how much providers get paid and may set requirements for providers, such as requiring that they meet a minimum quality of care. A small network could result in employees needing to search for a doctor and lead to extra out-of-network costs.
We analyzed health insurance plans to determine the best health insurance companies that offer coverage to small businesses. Forbes Advisor’s ratings are based on:
- Complaints made to state insurance departments (40% of score) : We used 2021 complaint data from the National Association of Insurance Commissioners.
- Plan ratings from the National Committee for Quality Assurance (30% of score) : The National Committee for Quality Assurance (NCQA) is an independent, nonprofit organization that accredits health plans and produces ratings based on specific metrics.
- Fitch Ratings credit ratings (30% of score) : We used the latest credit ratings for the best health insurance companies that offer group coverage to gauge their financial health.
Small Business Health Insurance FAQ
When does a small business have to offer health insurance.
Small business owners are not required by law to provide their employees with health insurance . With that said, make sure you understand how your state defines a small business, as it will impact what you are required to provide, should you decide to offer health insurance to your employees.
How much does group health insurance cost for small businesses?
The average annual cost of health insurance for small business owners is $6,589 per employee and employees pick up an average $1,244, according to Kaiser Family Foundation’s 2021 Employer Health Benefits Survey.
Small businesses pay less for health maintenance organization (HMO) plans than other types of health plans. Kaiser Family Foundation found small companies pay an annual average of $6,060 for HMO single coverage compared to $6,910 for a preferred provider organization (PPO) plan.
The Kaiser Family Foundation added that small companies are more likely to pay all employee premiums than larger companies. The report said 29% of covered workers in small firms don’t pay premiums for single coverage for health insurance. That’s compared to just 5% in large firms.
How many employees does a small business have to have to provide health insurance?
The ACA established that businesses with at least 50 employees must provide some level of health insurance . If they don’t, they have to pay penalties.
Can business owners buy a plan on the marketplace?
Small businesses can buy health insurance coverage for employees on the ACA marketplace through the Small Health Options Program (SHOP). SHOP lets employers compare plans and the Small Business Health Care Tax Credit can help save money for businesses.
- The Value of Employer-Provided Coverage. America’s Health Insurance Plans. LunzGlobal. February 2018.
- How the Affordable Care Act affects small businesses. HealthCare.gov. Accessed 10/7/2021.
- Workforce/Affordable Care Act. CA.gov. Accessed 10/7/2021.
- Small Business Guide to Offering Health Insurance. U.S. Chamber of Commerce. Accessed 10/7/2021.
- Small Business Health Care Tax Credit and the SHOP Marketplace . IRS. Accessd 10/7/2021.
- Contribution Requirement. The New Jersey Small Employer Health Benefits Program Buyer’s Guide. Accessed 10/7/2021.
- Employer Mandate Penalties . Cigna. Accessd 10/7/2021.
- How To Get Health Insurance
- What You Need To Know About Group Health Insurance
- Your Guide To Getting Health Insurance Quotes
- Your Guide To The Best And Most Affordable Health Insurance Plans
- Best Small Business Insurance 2023
Les is an insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Besides covering insurance, Les was a news editor and reporter for Patch and Community Newspaper Company and also covered health care, mortgages, credit cards and personal loans for multiple websites.
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