A lot of this information is HISTORICAL.
Use the menu at the top or site map for current Info!
Introduction to AB 1672 (1992 – 2013) & 1083
Guaranteed Small Group Health Insurance
AB 1083 (2012 Monning) will update this law to comply with Obamacare PPACA. Insurance Code 10753 et seq
AB 1672 provided that, ALL Small Business Employer Groups from 2 – 49 employees including self employed, with one employee, even a spouse, have the right to GUARANTEED availability of affordable Health & Medical Insurance coverage from ANY Insurance Company or HMO. (Insurance Code §10702 et seq., AB 1672 1992)
What this means to your company is that as long as your firm meets the requirements all of our companies MUST write your coverage, including your dependents, wife, spouse and children.§10705 (g)
CHAPTER 8. Small Employer Health Insurance [10700 – 10752.8]
( Heading of Chapter 8 renumbered from Chapter 14 (as added by Stats. 1992, Ch. 1128) by Stats. 1993, Ch. 113, Sec. 6. )
Features
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Guaranteed renewable under CA Insurance Code §10713.Which means your company or employees cannot be dropped in the middle of expensive cancer treatment or non renewed.
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An §(f) Eligible employee that can/must be covered, is basically one who works 30 hours/week for full time and 20 hours/part time. Including husband and wife.
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An employee or dependent cannot be excluded for medical reasons. §10707.
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Pretty much there are no Pre – X limitations. (Insurance Code §10708) 6 months… but waived if one had prior coverage.
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HMO’s don’t have a Pre – X clause and the clause in PPO’s can be waived if the employee has credible coverage. (§(r) id) This would include cancer and pregnancy.
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The rates or premiums for Employers are “leveled,” that is they and can’t vary more that 20% from the Healthiest to the sickest group that might have the most claims. This factor is known as the “Risk adjustment factor” or RAF and is basically determined by the claims experience or expected losses and how many employees are in the group.
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Employee’s Portion of the Premium can be deductible for Employer and Employee under a Section 125 POP Plan
Employer Resources
Quality Dividend CalculatorTM 2011, gives you a simple way to estimate how your choice of health plan will affect the productivity and absenteeism of your workforce.
When employees get higher quality care, they stay healthier, absenteeism drops, and productivity improves
Fewer Days Lost with Better Medical Coverage
BC/BS Employer Summary of Health Reform
101 Ideas for Worksite Wellness
Simple explanation of AB 1672
Rating Adjustment Factors (RAF)
CHCF Site
Liability Warning (Case Law) – be sure to add all eligible employees or get declination letters.
Advantages of
Small Biz Health Plan
Technical & Research Links
Health & Safety Code §1357-1357.18 Small Employer Group Access to Contracts for Health Care Services
Other pages for Self Employed
AB 1672 – (1992 to 2013) Small Group Health Rules prior to Obamacare
Health Insurance Deduction Line 29 for self employed
Schedule C – Line 12 Biz Income or Loss, Line 29 Health Insurance Premiums, Line 37 Adjusted Gross Income, MAGI Income
Self Employed Deduction for S Corp Owners
Details on Obamacare Subsidy and Line 29 deduction
Self Employed – New Definition under Health Care Reform – Introduction
Related Pages in AB 1083 – PPACA Section
