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.
Just Enter your census or securely send us an excel spreadsheet or a list of employees and get instant proposals for California
Schedule a Skype, Zoom, Phone or Face to Face meeting
Insubuy Travel Health Insurance
Instant Quotes, Details and ONLINE Enrollment
Steve talks about International Travel Insurance VIDEO
US State Department - Travel - Insurance
Our webpage on Travel Insurance
Health Coverage #Guide .org
Small Biz Majority 
- 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?
- Avalara Tax Compliance Guide for Business 2022 151 pages
- resilience compass.org Find business resources that you need
Art Gallagher
Health Care Reform FAQ's
Understanding Health Reform
Compliance #Assistance Guide from DOL.Gov Health Benefits under Federal Law
- Health Care Reform Explained Kaiser Foundation Cartoon VIDEO
- Choosing a Health Plan for Your Small Business VIDEO DOL.gov
Child, Related Pages & Site Map
[child-pages]
Information from deleted & culled pages
Insurance Companies are required to do these things
AB 1083 – Non Grandfathered Plans §1357.500 – 1357.516
Here’s the rules Insurance Companies must follow under ACA/Health Care Reform
CA Insurance Code AB 1083 §10753 et seq. for Non Grandfathered Plans (PDF) HTML
AB 1083 Definitions – Non Grandfathered Plans Health Care Reform
California passed AB 1083 (California AB 1083 Small Group Health Plans pdf HTML ) so that California law complies with Health Care Reform. AB 1083 replaces Insurance Code §10753 and so forth, the rules for Non Grandfathered Plans which we had previously under AB 1672…Insurance Code 10700-10752.8 Here’s a summy from * CHFC 6 page pdf summary *
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