Small Business Health Insurance

Group health insurance is employer-sponsored health coverage for business owners, employees, and often for dependents.

A majority of Americans have group health coverage through their own or a family member’s employer-sponsored group plan. Employers and employees can share costs and there are special tax incentives available to businesses that provide group health insurance.

How does it work?

As an employer, you select a group health insurance plan and then invite your employees to enroll.

Typically, employers cover at least 50% of each employee’s monthly premium, and can also contribute to dependent premiums. The remainder is paid for by the employee.

Is it right for my business?

If you want to provide health insurance benefits and you’re able to contribute toward employee premiums, group health insurance is the way to go.

Offering group health insurance can help you hire and retain the best workers, and the amount you pay toward employee premiums may be tax-deductible. Since no one can be turned down based on medical history, group coverage also protects workers or family members who might otherwise go uninsured.

How do I get started?

First, tell us about your company and employees. Then we’ll show you health insurance quotes from a number of leading companies in your area.

Compare plan rates and benefits to find the best match for your needs and talk with one of our licensed insurance agents for personal help.

Click to get a quote!

The open enrollment period for health insurance is currently closed (the next open enrollment period will be in the fall of 2014), but you may enroll in a Covered California health insurance plan now if you experience a qualifying life event.

Common types of qualifying life events for special enrollment:

  • • You get married or enter into a domestic partnership.
  • • You have or adopt a child, receive a child into foster care, or you place a child in adoption or in a foster home.
  • • You change where you permanently live (in-state, out-of-state, released from prison), gaining more options for Covered California health insurance plans.
  • • You lose your health coverage - no longer eligible for Medi-Cal or you lose health coverage through your job.
  • • Your income changes so much that you become newly eligible or ineligible for help paying for your insurance.
  • • You become a citizen, national or lawfully present individual.
  • • Your enrollment was wrong, due to the misconduct or misrepresentation of your health insurance company, Covered California or a non-Covered California entity (such as a Certified Enrollment Counselor).
  • • You applied for health coverage before March 31 and were denied for Medi-Cal after March 31.
  • • You are a member of a federally recognized American Indian or Alaska Native tribe.
  • • Covered California can also determine, on a case-by-case basis, that you experienced an exceptional circumstance, which could allow for a special enrollment period.
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