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!
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.
Email, Skype or Zoom us [email protected] for more information.
We are here to help you get the most from your Employer Group Health Plan.
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.
See the buttons below to get quotes, ask us a question or set a meeting.
Check out the details of each Insurance Companies offerings by going to their webpage from our Insurance Carrier section, below.
Steve Shorr
Website Introduction
15 reasons why you would be more comfortable with us
Our Webpage on Insurance Coverage for
COVID 19
Graphic from The Sun.UK
Enter your census or securely send us an excel spreadsheet or a list of employees and get instant proposals for California
Schedule a Skype, Phone or Face to Face meeting
Insubuy Travel Health Insurance
Instant Quotes, Details and ONLINE Enrollment
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?
Art Gallagher Health Care Reform FAQ's
Compliance #Assistance Guide from DOL.Gov Health Benefits under Federal Law
Health Care Reform Explained
Kaiser Foundation Cartoon VIDEO
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
Child, Related Pages & Site Map
- AB 1083 – PPACA – CA law to comply with Federal Law
- 90 Day Maximum Waiting Period?
- Definitions Health Care Reform
- Grand Mothering SB 1446 – Unbelievable Rate Increases! Historical
- Insurance Company requirements AB 1083
- Participation & Contribution Requirements
- Premium – Rating Factors
- AB 1672 – (1992 to 2013) Small Group Guaranteed Issue Historical
- Carriers – Companies
- COBRA – Right to Keep your Employer Group Health Coverage
- Dental, Vision, Supplemental
- Quotes Employer Group – California – Instantly
- Tax Credits Small Business §45 R
- ACA Health Care Reform – Obamacare Introduction
- 10 Essential Mandatory Benefits + CA Benefits
- Clinical Trials
- Laboratory Charges
- Mental Health – An Essential Benefit
- Prescriptions Drugs – Rx
- Preventative Care & Wellness Programs
- 80% Medical Loss Ratio (MLR)
- Heath Reform Upheld as a tax NFIP vs Sebillius
- Mandate Penalty no health insurance for California
- §5000 A – Requirement to maintain Health Insurance
- 10 Reasons that you need Health Insurance
- Employer Mandate for Health Insurance ACA 4980 h
- Health Sharing Ministries – Not Protected by Insurance Guarantees
- Lawfully Present – Public Charge – Immigration Status
- Metal Levels – Platinum, Gold, Bronze – Silver & Enhanced
- Definitions – Glossary
- Enhanced Silver 94, 87, 73 Cost-sharing reductions
- HSA Health Savings Accounts
- Provider – Doctor & Hospital Finder
- Open Enrollment & Special Enrollment
- Pre-Existing Conditions – No more!
- 10 Essential Mandatory Benefits + CA Benefits
- Appeal & Grievances?
- Appeals & Grievances Medicare
- Covered CA Appeals
- Grace Periods? NEVER get cancelled Non-Pay!!!
- Insurance Application Disclosures – Table of Contents only
- Last Minute Application? When does coverage start?
- Medical Necessity – reasonable and necessary
- Plain Meaning Rule – Read the policy 3 times
- EOC Evidence of Coverage Value and how to find
- Maxims of Law – Proverbs
- Unlawful Practise of Law
- What is hearsay? Someone else said on the phone?
- Contact Us & License Info
- Covered CA Tax Credits – Subsidies APTC & Rules
- MAGI – Modified Adjusted Gross Income – Line 37* Now 7 or 8b
- Income Chart – Line 8b 1040 Covered CA MAGI
- Table of Contents – Details of Income, Deductions & Expenses for MAGI
- Place Holder – No Index
- Report a Change – How & When – Especially Income
- Tax Credits & Subsidies Introduction
- MAGI – Modified Adjusted Gross Income – Line 37* Now 7 or 8b
- Employer Health Plans – Introduction
- AB 1083 – PPACA – CA law to comply with Federal Law
- 90 Day Maximum Waiting Period?
- Definitions Health Care Reform
- Grand Mothering SB 1446 – Unbelievable Rate Increases! Historical
- Insurance Company requirements AB 1083
- Participation & Contribution Requirements
- Premium – Rating Factors
- AB 1672 – (1992 to 2013) Small Group Guaranteed Issue Historical
- Carriers – Companies
- COBRA – Right to Keep your Employer Group Health Coverage
- Dental, Vision, Supplemental
- Quotes Employer Group – California – Instantly
- Tax Credits Small Business §45 R
- AB 1083 – PPACA – CA law to comply with Federal Law
- Individual & Family Health Insurance CA
- Life, Disability, Long Term Care & Retirement
- Disability Income – Pay Check Protection
- Estate Planning
- Life Insurance
- Long Term Care Nursing & Home Health Care
- Retirement Planning
- Medi-Cal – CA Version of Medicaid
- Contact Info – Enroll ONLINE Medi-Cal
- Eligibility Criteria for Medi-Cal – MAGI Income
- Aged and Disabled Federal Poverty Level Program
- FAQ’s Table of Contents – Conical
- Pregnant Women – Medi-Cal Eligibility – MCAP to 322% FPL
- Full Scope Medi-Cal – Benefits & Coverages
- Redetermination? Renewals? Verification
- Medicare – Introduction
- Fraud, Scams, Waste & Abuse
- Health Care Reform & Medicare?
- Medi Gap – Supplement Plans – non conical
- Medicare Advantage Plans – Part C
- Part D Rx Prescriptions
- Seminar – Medicare Information ONLINE
- What’s Covered in Part A Hospital & B Doctor Visits?
- Chiropractic – Medicare A & B – MAPD
- Dental under Medicare is very limited
- Diabetes
- Durable Medical Equipment
- End Stage Renal – Kidney Failure
- Enroll ONLINE for Medicare Part A Hospital & B Doctor Visits
- Hearing Aids
- Part A & B Technical Code Sections
- Physical therapy – occupational speech
- Skilled Nursing SNF & Home Health What Medicare Pays
- Sleep Studies, CPAP etc
- Site Map
- Social Security – Retirement Benefits
- zHistorical & Agent Info
Resilience Compass to find the business resources you need
Funding opportunities, training webinars, technology discounts, and more for these challenging times
https://www.resiliencecompass.org/
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