As I  see it, the main advantages to CCSB:

Participating Companies:

Blue Shield,

Chinese Community Health Plan,


Health Net


Western Health Advantage

Ask about the “Employee only” plan
Which Allows  Subsidies for Dependents in Covered CA

  • 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 –  9.66% 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??




  • 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 subsidiesFREE 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 page 3, step 2 question 11 of the SHOP employer application.
    • Learn More  * 

Consumer Links & Resources

Insure Me  Blog

Business Tax Credit Calculator and Information 

Section §106 Deduction

Covered CA Small Biz Fact Sheet pdf

Health Insurance Made Easy 4 page pdf

FAQ’s Health Care.Gov

covered small business

Child Pages

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