SHOP – Covered CA for Small Business (CCSB) Employer Plans
As I see it, the main advantages to Covered CA for Small Business CCSB:
- Small Biz Health Care Tax Credit, §45 R if your average wage is low enough. However, either way you still get the Section §106 Health Insurance Premium Deduction and your employees can get the POP §125 deduction for their contribution.
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SHOP – CCSB plans are ONLY available thru licensed, trained & certified agents. Covered CA Announcement.
- Get Instant Quotes
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SHOP Advantages on HealthCare.gov
Consumer Links & Resources
Covered CA Small Business Employer Guide 3/2024
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New Business Documentation Required to prove Bonified Business, Number of Employees, etc.
- My CCSB Enrollment online portal Employer Guide
- EmployER Definition – Health Care Reform
SHOP Covered CA for Small Business Program
Be sure though to send your applications to us!
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#Covered CA Certified Agent
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- Appoint us as your broker
- Get Instant Health Quotes, Subsidy Calculation & Enroll
- Videos on how great agents are
Don’t forget to send the applications to us, so we are designated as your broker and can assist you at no additional charge.
Historical – Technical Research
Health Coverage #Guide
Art Gallagher
Health Care Reform FAQ's
Understanding Health Reform
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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
- ACA Quick Reference Guide California Small Group Employers Revision 2020 Word & Brown
- kff.org/health-policy-101/
Brother - Sister - Sibling Side Pages Subpages
View our website with your Desktop or Tablet for the most information
HISTORICAL
See updated rules…
Ask about the “Employee #only” plan
Which Allows Subsidies for Dependents in Covered CA
Avoid the Family Glitch
- Employees who have dependents seeking subsidy assistance through the individual exchange cannot qualify.
- Spouse/parents enrolled in an employer group ACA qualified plan in most cases disqualifies the subsidy eligibility – Family Glitch – 9.61% Rule
- Most employers do not contribute to the dependent portion of the premium, but because the offer the coverage the dependents technically have “Access” to a ACA qualified plan.
- Dependent coverage is perceived as “unaffordable” to the employee; result = low to no dependent participation
- Why have an employer offer a benefit that is not utilized and unintentionally penalizes??
Solution
- Implement an “employee only” plan; dependents do NOT have “Access” thereby receiving subsidies. 9.17.2015 Covered CA Email
- Covered California for small business filed their contract to support this feature.
- If the dependents of your employees qualify for Covered CA subsidies – FREE Quote and Subsidy Calculation and the employer is not contributing, then we need to get you into a SHOP program and write it up as employee only, by NOT selecting dependents on the SHOP employer application.
