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Our plans are priced with your business in mind. In fact, Kaiser Permanente has been rated the most cost-efficient plan in the markets we serve.* Let us help you make the right investment in your business — for yourself, and for your employees.

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The following types of plans are available in California. Each one meets the requirements of the Affordable Care Act (ACA).

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The metal naming system was created as part of the ACA to make it easier for you to shop and compare plans. In general, the higher the metal value, the greater the coverage.

*In a comparison of health plans across the United States, the national consulting firm Aon Hewitt reported for the eighth year in a row that we’re the most cost-efficient plan in the markets we serve — 12 percent more cost-effective than the average HMO and 17 percent more cost-effective than the all-plan average. Aon Hewitt Health Value Initiative™ benchmarking study — Kaiser Foundation Health Plan, Inc., Aon Hewitt, October 12, 2016. Results based on 2015 performance year. To get a copy of the Aon Hewitt Health Value Initiative report for your region, contact your account manager. †The tax references in this website are provided for informational purposes only. Consult with your financial or tax advisor or attorney for advice about federal and state income tax laws. Some plan options, products, and riders not available in all areas.

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Kaiser Permanente health plans around the country: Kaiser Foundation Health Plan, Inc., in Northern and Southern California and Hawaii • Kaiser Foundation Health Plan of Colorado • Kaiser Foundation Health Plan of Georgia, Inc., Nine Piedmont Center, 3495 Piedmont Road NE, Atlanta, GA 30305 • Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc., in Maryland, Virginia, and Washington, D.C., 2101 E. Jefferson St., Rockville, MD 20852 • Kaiser Foundation Health Plan of the Northwest, 500 NE Multnomah St., Suite 100, Portland, OR 97232 • Kaiser Foundation Health Plan of Washington or Kaiser Foundation Health Plan of Washington Options, Inc., 1300 SW 27th St., Renton, WA 98057

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Small business health insurance California: What to know

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California is known for its diverse population and thriving industries, both of which contribute to the state's unique health benefits landscape for small business health insurance California. As a resident or business owner in the Golden State, it's crucial to understand the options available to you and how to make the best choice for your health insurance needs. From individual plans to employer-sponsored benefits, California offers a variety of programs and services designed to ensure that everyone has access to affordable, high-quality healthcare. If you find yourself searching for solutions small business health insurance California, this post is for you. 

Small Business Health Insurance California: The 101

There are several options for small business health insurance in California, including state-sponsored programs like Covered California and Medi-Cal , as well as traditional, employer-sponsored plans. However, in recent years, Health Reimbursement Arrangements ( HRAs ) have emerged as an increasingly popular and flexible solution for both employers and employees. By offering an HRA, employers are able to provide employees with a tax-advantaged reimbursement for qualified medical expenses – empowering them to shop for the best insurance plans that meet their individual needs and preferences, while also saving money for both parties involved.

Navigating this vast landscape of health insurance options can feel daunting. That's where we, at Take Command, come in. As California's leading HRA provider, we create bespoke solutions tailored to meet your unique needs. We leverage our in-depth knowledge and experience to guide both employers and employees toward health insurance options that are not just cost-effective but precisely match your individual health needs. If you're seeking a perfect blend of flexibility, affordability, and personalization in your health coverage, we are your trusted partner. At Take Command, we're committed to ensuring you find the optimal health insurance solution in California.

Key Takeaways

  • California offers a wide range of health insurance options for both individuals and businesses, including state-sponsored programs and HRAs.
  • HRAs provide a flexible, tax-advantaged solution for employers and employees to manage their healthcare expenses.
  • Exploring various health insurance options in California allows you to make informed decisions about the best type of coverage for your unique needs.

Best Business Health Insurance in CA

When it comes to affordable health insurance in California, Health Reimbursement Arrangements (HRAs) lead the pack as a standout option. Why, you ask? It's simple: HRAs offer unparalleled flexibility and personalized coverage. In the Golden State's rich health insurance marketplace, the sheer variety of plans can be overwhelming. However, with an HRA, employers can empower their employees to select the coverage that suits their unique needs best. This approach not only puts control back into the hands of the employees but also facilitates a better match between plan benefits and individual healthcare needs. Thus, maximizing value while minimizing costs. No longer is health insurance a one-size-fits-all scenario. With HRAs, affordable health insurance in California becomes a tailored solution, designed to fit like a glove. It's a win-win situation that could revolutionize how we think about health benefits.

Navigating the California Health Insurance Landscape: Marketplace Options, Affordable Plans, and the Unique Advantage of HRAs

When looking for the best health insurance in California, be sure to consider your specific needs based on factors like your age, location, and the level of coverage you require. One popular option for affordable health insurance is the Covered California state-run marketplace. This official site offers a variety of health plan options provided by twelve different insurance carriers.

In addition to marketplace plans, one option for affordable health insurance in California is Anthem , offering a range of coverage levels, including Bronze, Silver, and Gold plans. Bronze plans typically provide lower monthly premiums but come with higher deductibles, making them suitable for those with minimal healthcare needs. On the other hand, Silver and Gold plans offer a higher level of coverage, making them ideal for individuals or families who require more comprehensive health care.

For those living in Los Angeles County specifically, the L.A. Care Health Plan stands out as the cheapest option through their Silver 70 HMO, with a monthly rate of $283.50 for a 21-year-old and $362.31 for adults.

As a California employer, offering health benefits is essential to attract and retain top talent. HRAs offer a flexible and cost-effective approach for employers of all sizes. HRAs allow employers to reimburse employees for qualified medical expenses on a pre-tax basis, including insurance purchased from the open market. By providing this benefit, employers can better control costs and offer customized health coverage to their employees.

In California, HRAs are a valuable option for both small and large businesses, as well as individuals. They give employees greater flexibility to choose a health plan that best suits their needs, contributing to overall satisfaction with their job and benefits package.

Finding the best health insurance in California depends on your specific needs and circumstances. Be sure to explore all available options and consider the benefits of HRAs for both employers and employees. With careful research and planning, you can find the right health insurance solution tailored to you or your business in California.

{Check out our comprehensive HRA guide}

Affordable Health Insurance in California

Living in California and considering your health insurance options? You might find a fantastic solution in Health Reimbursement Arrangements (HRAs). These employer-sponsored accounts are specifically designed to cover eligible medical costs for both employees and their families, providing a tax-efficient health coverage solution. Employers in California have the liberty to determine the reimbursement limits, offering an added layer of flexibility. As a beneficiary of an HRA, you gain the freedom to cherry-pick your preferred health plan, while your employer chips in towards the expenses in a tax-favorable manner. This model allows you to capitalize on California's robust health insurance market, securing the optimal coverage that is tailored to your unique health needs. And, we have a handy window shopping tool that lets you search for the best health insurance in CA that suits your needs. 

Traditional Group Health Insurance in CA

Traditional group health insurance plans are also available in California. These plans are often provided by employers, with both employer and employee contributing to the premium costs. For small businesses in California, the Covered California SHOP marketplace offers small-group insurance options. Eligible businesses can benefit from tax credits, making group health insurance more affordable for both employers and employees. Remember that traditional group health insurance may have limited choices in regard to health plans.

Other Health Insurance Options in CA

Besides HRAs and traditional group health insurance, there are other options you can explore to secure health insurance coverage in California. Covered California is the state's official health insurance marketplace, offering a variety of plans under the Affordable Care Act (ACA). These plans cater to individuals, families, and children, providing essential health benefits and various plan levels to choose from. If you are eligible, you may also qualify for Medi-Cal, California's Medicaid program, which offers low-cost or free healthcare services to eligible residents.

When looking for the best health insurance options in California, carefully compare the available choices and consider the specific needs of your family or employees. With proper research and evaluation, you can select the health coverage that suits your situation and ensures the well-being of those you care for.

Here’s a helpful blog about individual health insurance plans that work with HRAs.

Comparing Health Insurance Options in CA

Navigating the world of health insurance can be daunting, especially in California with its many available options. As you explore different plans, it's crucial to consider factors such as price, coverage, and networks when making your decision.

In California, you can find various health insurance plans providing options for both individuals and businesses. The state's official marketplace, Covered California, offers plans from well-known insurance companies, often with financial assistance available. Open enrollment typically occurs from November 1st to January 31st, with coverage starting on January 1st of the following year.

When selecting the best health insurance in CA, you can compare offerings from numerous carriers like Blue Shield of California, Health Net, and others. It's essential to examine each carrier's pricing, provider networks, and available plan types to find one that suits your budget and needs.

It's also essential to seek affordable health insurance in CA , especially for small businesses and individuals. This is where HRAs can provide an optimal health benefits solution. HRAs allow employers to set aside a specific amount of pre-tax dollars for their employees to use towards health expenses, resulting in cost savings for both parties.

In California, HRAs offer a viable alternative to traditional employer-sponsored health insurance plans. By participating in HRAs, employees can choose any plan from the open market , providing greater freedom and flexibility. Employers, on the other hand, can benefit from tax advantages and better control over healthcare costs.

Read our blog: Comparing group insurance and HRAs!

Take Command's expertise in the California market makes it easier for you to navigate the health insurance landscape, offering assistance in selecting the most suitable options for your needs. With a vast knowledge base and a focus on HRAs, Take Command provides a clear, neutral perspective that can help you make informed decisions regarding health benefits in CA.

Read our customer success stories here!

Health Insurance for CA Companies

California offers many options for businesses to provide health insurance benefits to their employees. With the variety of options available, it's vital for companies to find the best solution that meets both their needs and the needs of their employees.

Why HRAs Are a Good Employee Benefits Option for CA Companies

An increasingly popular option for providing health benefits is through Health Reimbursement Arrangements (HRAs). This approach offers multiple advantages for companies, particularly small businesses looking for a more affordable and flexible solution.

  • Flexibility and Control : With an HRA, you can decide the amount you want to contribute to your employee's healthcare expenses, which can include dental and vision coverage. This flexibility allows you to tailor your contributions based on your company's budget and resources.
  • Tax Benefits : Companies offering HRAs can also take advantage of tax credits. These credits can help lower your company's overall tax liability, making it even more cost-effective to provide health benefits to your employees.
  • Empowerment for Employees : HRAs give your employees the freedom to choose their own health insurance, promoting a sense of autonomy and satisfaction in their benefits. This can lead to increased employee retention and an overall positive workplace environment.
  • Streamlined Benefits Management : As a company utilizing HRAs, you can avoid cumbersome group insurance policies and reduce the time spent on managing employee benefits. This allows you to focus on what's most important–running your business.

By choosing to implement HRAs, you can optimize your company's health benefits strategy and offer personalized, affordable coverage to your employees. As a California business, taking advantage of the robust health insurance marketplace in the state can lead to significant savings and increased employee satisfaction.

Remember, as a California employer, it's crucial to stay informed of any changes and updates in the health insurance industry. Utilize available resources and consider HRAs as a viable option for providing comprehensive health coverage for your team. With the right approach, you can achieve a competitive edge by offering attractive health benefits while minimizing the financial burden on your company.

Unveiling Health Benefits in California: Navigating Your Options with Take Command's Comprehensive Guide

As you explore health benefits in California, you'll want to ensure you've considered all your available options. Take Command is here to help you find the best health insurance plan tailored to your needs, whether you're an individual seeking coverage or a small business owner managing employee benefits.

In California, there are various options for affordable health insurance , including Medi-Cal, which provides no-cost or low-cost health insurance to eligible residents. Medi-Cal covers a core set of health benefits, such as doctor visits, hospital care, immunizations, and parental care services.

Another option is CalPERS, which offers a range of health benefit plans for state employees and retirees. CalPERS provides Basic and Medicare health plan eligibility, enrollment, and choices based on your individual needs.

For businesses in California, consider the advantages of implementing a Health Reimbursement Arrangement (HRA) for your employees. HRAs allow employers to reimburse employees for healthcare expenses on a tax-advantaged basis. This flexible solution benefits both employers and employees by promoting a healthier workforce and reducing overall costs.

When buying health insurance in California, it's essential to navigate the open market effectively. Understanding state-specific nuances will ensure you find the best health insurance for your needs. HRAs offer an alternative to traditional employer-sponsored plans, allowing for customized and cost-effective health coverage.

As you wrap up your research on California health benefits, remember that Take Command is your partner in navigating the complex world of health insurance. Our experts are ready to assist you with all your HRA-related questions, guiding you through the process of finding the ideal health coverage solution.

{Contact Take Command today to secure a brighter future for your health and well-being in the Golden State.}

Frequently Asked Questions

What are the top health insurance providers in california.

There are several top health insurance providers in California, including Anthem Blue Cross, Blue Shield of California, Kaiser Permanente, and Health Net. These providers offer a range of plans and coverage options to fit your needs and budget. As a California resident, it's essential to research and compare plans to find the best fit for you and your family.

Can I use an HRA with Medi-Cal?

Currently, an HRA (Health Reimbursement Arrangement) cannot be used with Medi-Cal. Medi-Cal is California's public health insurance program that provides free or low-cost health coverage for eligible low-income residents. On the other hand, an HRA is a tax-advantaged account funded by your employer, which reimburses you for eligible healthcare expenses. HRAs are more applicable for employers and employees with private health insurance plans.

What are the requirements to qualify for Covered California?

Covered California is the state's health insurance marketplace, offering health plans for individuals, families, and small businesses. To qualify for coverage through Covered California, you must be a U.S. citizen, national, or lawfully present alien living in the state. Your income should be between 139% and 400% of the federal poverty level to be eligible for financial assistance in paying for your health plan. Open enrollment periods occur annually, making it essential to keep an eye on deadlines and requirements to enroll in a plan that suits your needs.

How do I choose the best health insurance plan for my needs?

Choosing the best health insurance plan for your needs involves considering factors such as your budget, preferred providers, and specific healthcare needs. Research and compare plan options available through providers or the Covered California marketplace. It's crucial to assess the deductible, premium, copayment, and coinsurance costs, as well as the covered services, networks, and prescription drug coverage. When assessing plans, consider whether an HRA provided by your employer could help offset any out-of-pocket expenses.

What essential health benefits are covered by law in California?

California law requires all health insurance plans to cover a set of ten essential health benefits, as outlined under the Affordable Care Act. These benefits include hospitalization, prescription drugs, maternity and newborn care, mental health and substance use disorder services, rehabilitative services, laboratory services, preventive and wellness services, pediatric services, and emergency services. By law, these essential benefits must be covered, ensuring you receive a comprehensive range of healthcare services regardless of the plan you choose.

As a California business owner or employee, consider the advantages of integrating HRAs into your health benefits strategy. HRAs provide tax benefits for employers and employees alike while also offering tailored coverage and flexibility for healthcare expenses. With the openness of the California health insurance market, HRAs can be an optimal solution for both small and large businesses.

Let's talk through your HRA questions

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Susanne is a copywriter specializing in the health and wellness industry. Before starting her own business, she spent nearly a decade at a marketing agency doing all of the things – advisor, copywriter, SEO strategist, social media specialist, and project manager. That experience gives her a unique understanding of how the consumer-focused content she writes flows into each marketing piece. Susanne lives in Oklahoma City with her husband and two daughters. She loves being outdoors, exercising and reading.

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Covered California

Covered California works to improve the health of all Californians by assuring their access to affordable, high quality care. Since opening its doors in 2014, Covered California has helped more than 2.9 million people buy health insurance.

This website contains resources for partners and information about the operations and governance of Covered California.

Consumers interested in learning more about enrolling in affordable health insurance should visit CoveredCA.com

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All over California, people are getting access to the care they deserve through Covered California. In their own words, our members are sharing why health insurance is so important to them.

More stories below about our members sharing why health insurance is so important to them.

5 best small business insurance companies in California of 2024

Small businesses are a critical part of California’s economy. There are 4.2 million small businesses in the state , and they employ nearly 48% of the state’s workforce. 

However, California is prone to serious natural disasters, including wildfires and earthquakes, presenting unique risks to business owners within the state. To properly protect your business, you’ll likely need to purchase some form of business insurance. We evaluated top insurance companies and identified the five best small business insurers in California to help you find the right coverage ( view our full methodology ): 

The 5 best small business insurers in California for 2024

Best overall: chubb, best for commercial auto coverage: state farm, best for professional liability insurance: the hartford, best for short-term rental insurance: american family.

  • Best for Earthquake Insurance: ICW Group

*Last updated February 20, 2024. 

Whether you run a transportation and warehousing business, or are part of California’s booming tourism industry, business insurance is a must. We narrowed down the list of insurance companies in the state and identified the five best small business insurers (we’ve also have’ve also identified the best insurance companies for small businesses across the entire country ): 

About: Chubb is an international insurance company with operations in over 50 countries and territories. It has specialized insurance products designed for small businesses, with solutions available for companies with up to $30 million in revenue. Whether you need a basic business owners policy (BOP) or workers’ compensation insurance, Chubb can be a good choice. 

  • AM Best Rating: A++ (Superior)
  • J.D. Power Customer Satisfaction Rating: 9th out of 13 insurers
  • Number of Small Business Products: 7
  • Customer support: Chubb allows you to get quotes for small business insurance online, but you can also work with a local agent or contact customer support via phone. 

Our verdict 

Chubb is an industry leader for business insurance. Although it’s usually thought of as an insurer for large corporations, it also has small business insurance options for microbusinesses and freelancers, including BOP, cyber liability coverage and commercial umbrella insurance. Chubb makes it easy to purchase insurance with a short quiz to help you identify what coverage you need, and Chubb allows you to customize your policy with add-ons.

About: State Farm is the largest property and casualty insurer in the country based on direct premiums written. It was founded in 1922, so it has a longstanding reputation, and it has thousands of agents throughout the country. Through State Farm, you can purchase several types of business insurance coverage, including BOP, workers’ compensation and commercial auto insurance. 

  • J.D. Power Customer Satisfaction Rating: 2 out of 13 insurers
  • Number of Small Business Products: 14 small business insurance policies and add-ons
  • Customer support: You can contact a local agent for questions — State Farm has over 19,000 — or you can reach out to customer support via chat or phone. 

State Farm is best for businesses that need commercial auto insurance for their business vehicles. In California, transportation and warehousing are some of the biggest industries, but those industries face significant levels of risk. According to the Insurance Research Council , nearly 17% of drivers in California are uninsured — the 10th-worst level in the country — which can pose problems if you or your employees are in an accident while driving a company vehicle. 

State Farm has robust coverage options for commercial car insurance, including liability, property and collision insurance. But it also offers uninsured/underinsured motorist protection, which could help you if you or your employees are in an accident with a person who doesn’t have coverage. 

About: The Hartford is a major insurer that has been in operation since 1810. In 2022 — the last available data — The Hartford collected $4.6 billion in small commercial insurance premiums. It sells several business insurance products, including specialty insurance products for certain industries. 

  • AM Best Rating: A+ (Superior)
  • J.D. Power Customer Satisfaction Rating: 10th out of 12 issuers
  • Number of Small Business Products: 17
  • Customer support The Hartford allows business owners  to get quotes online, and you can contact customer support via phone or by reaching out to a local agent. 

California has long been known for its role in the entertainment industry, so The Hartford is an excellent choice for the writers, graphic designers, animators and other artists in the state. Through The Hartford, both agency owners and independent contractors can purchase professional liability insurance. 

The Hartford’s policies cover against liabilities related to mistakes or negligence, including issues like copyright infringement or failing to deliver a client’s order. Through The Hartford, coverage can be as little as $32 per month, and you can customize your policy and get quotes online. 

About: American Family — often known simply as AmFam — has been in operation since 1927. It’s a leading provider of personal and business insurance coverage, and it has several products that may benefit California-based landlords or vacation rental property owners. 

  • J.D. Power Customer Satisfaction Rating: 7th out of 13 issuers
  • Customer support American Family’s customer support team can be reached by phone, or you can contact a local agent. You can also request quotes for certain types of business insurance online. 

California is a leading tourist destination, so American Family is a good fit for short-term rental owners — including those who list properties on services like Airbnb — and long-term landlords. It has options for both those who primarily use their property as an investment and those who rent it out occasionally. 

  • Short-term rentals: Through American Family, those who rent out their properties for 62 days or less per year can get coverage as an add-on to their homeowners policies; this option could potentially be a lower-cost solution compared to purchasing a separate landlord policy. 
  • Investment property rentals: Those who rent out their property longer or that work with long-term tenants can purchase a separate business landlord policy. 

Best for Earthquake Coverage: ICW Group

About: ICW Group Insurance Companies is a group of privately-held insurance companies based in California. It provides commercial insurance to over 300,000 customers, and its headquarters is in San Diego, California. It sells a variety of commercial insurance products, including workers’ compensation, property, general liability and earthquake coverage. 

  • AM Best Rating: A (Excellent)
  • J.D. Power Customer Satisfaction Rating: Not ranked
  • Number of Small Business Products: 2 in California
  • Customer support ICW Group doesn’t offer online quotes, but you can reach customer support by phone or by sending a secure message online. Its products are sold through a network of over 3,000 independent agencies. 

ICW Group is best for those who have companies located in earthquake hazard areas and are at risk of building or property damage. Damages and losses related to earthquakes are usually excluded from standard business insurance policies, so you need to purchase a separate earthquake policy. Few insurers sell earthquake coverage; ICW is one of the few that does in California, and it has a higher-than-usual coverage maximum of $50 million. 

What to know about Small Business Insurance in California

Regardless of your business’ size, you need some form of business insurance to adequately protect it (and yourself). Depending on the type of work you do and your customers, you may need one or more of these types of small business insurance: 

  • Liability: Liability insurance covers some or all of your legal expenses and damages related to lawsuits resulting from accidents, injuries or professional mistakes or negligence. 
  • Property: Property insurance protects your business from damages related to storms, fires or theft. 
  • Business owners policy (BOP): BOPs are packages of commonly-used insurance products for smaller businesses. In general, they include general liability and property insurance. 
  • Commercial auto: If your business owns vehicles for deliveries or transportation, you’ll need commercial auto coverage to protect against damages and injuries. 
  • Earthquake: Earthquakes do occur in California, and they can cause substantial damage. General business insurance policies exclude earthquake damage, so you may need a separate policy to protect your buildings, equipment and other property. 
  • Worker’s compensation: In California, workers’ compensation insurance is required for all companies that have employees. It compensates workers who are injured or become ill on the job. 

How to choose a Small Business Insurance in California

In California, approximately 90 insurers offer property or casualty coverage, so finding the right insurer can be intimidating. When deciding which insurer to work with and what coverage to purchase, consider the following: 

  • Business risk: Think about the risks that your business faces in terms of potential liabilities and damages. For example, if your business is located in an area with a high earthquake hazard rating — meaning its near active faults that could produce intense shaking and cause damage — or an area prone to wildfires, you’ll need additional coverage. 
  • Industry: Some industries are riskier than others. For example, businesses involving shipping, transportation, or construction have higher rates of accidents and injuries than other industries. They typically need more robust insurance policies that are often more expensive. 
  • Employee: If you have employees, then you’ll need to at least have workers’ compensation insurance. But if you have workers, you may need other forms of coverage, such as commercial auto or employee liability protection. 
  • Operations: How your business operates affects the types of insurance you need. For example, a business owner who performs services without a physical retail location, such as a graphic designer or artist, may not need general liability insurance. But if you have a brick-and-mortar store or warehouse, you’ll likely need general liability insurance. 

You can learn more about how to protect your company in our comprehensive guide to small business insurance .

Frequently asked questions

Is business insurance mandatory in california .

In California, the only kind of business insurance that is mandatory is workers’ compensation insurance for businesses that have employees.

Does business insurance cover earthquakes?

Generally, small business insurance policies do not cover damages or losses related to earthquakes. Instead, you need to purchase a separate commercial earthquake policy. 

What is California’s auto insurance requirement for business owners? 

Like most states, California requires all drivers operating or parking on the state’s roads to be insured. For most vehicles, the following state-minimum coverage is required: 

  • $15,000 of bodily injury liability coverage for one person
  • $30,000 of bodily injury liability coverage for more than one person
  • $5,000 of property damage liability insurance 

Depending on your business’ assets and vehicle value, those coverage limits may not be adequate, and you may need additional commercial auto liability and property insurance. 

How much does small business insurance cost in California? 

Costs vary based on your location, company size, industry and the amount of coverage you need. In general, premiums for a BOP in California range from $1,000 to $2,000 per year. 

Our methodology

We selected the five best small business insurance companies in California based on the following factors: 

  • Financial stability: AM Best, a credit rating agency that evaluates insurers, issues its opinions on companies’ financial strength. We looked for companies with a rating of A (Excellent) or better. 
  • Customer satisfaction: Companies that scored better than the industry average in the J.D. Power Small Commercial Insurance Study were given additional consideration. 
  • Availability: The California insurance industry is complex, so we focused on companies with products and add-ons specifically for California’s unique needs. 
  • Potential discounts: Insurers with discount programs for small business owners were given preference. 

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

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A Guide to Small Business Health Insurance

Posted: March 17, 2022

small business health insurance california

For a small business, navigating health insurance can seem confusing at first glance. There are many options available for insurance plans and tons of rules to sort out.

If your company lacks a human resources department, figuring out health insurance can become part of your job as an owner. You will need to educate yourself on small business health insurance options and everything you need to consider before purchasing a plan.

Providing medical coverage might be one of the best things you ever do for your company and employees alike. Learn more about how it all works with this insurance guide for small businesses.

Health Insurance for Small Business Owners

Many small businesses choose to provide their workers with health insurance. There are some important considerations for finding the best plans for your team. When shopping for coverage, you must understand your employees’ needs and budgets.

Because every company’s needs are unique, finding the right plans can take some time. This is why every small business owner interested in providing health insurance should know the requirements they must meet and the advantages of providing health insurance.

Advantages of Health Insurance for Small Business Owners

There are many benefits for small business owners who offer health insurance to their employees. The following are some of the advantages of providing health care for your team:

  • Lower premiums:  If a business chooses to participate in group insurance plans, the associated premiums tend to be cheaper than individual plans on average. Business health insurance plans have cheaper per-person costs, though the number of employees can impact premiums.
  • Tax incentives:  Business owners can deduct the costs of health insurance premiums when it is time to file their federal business taxes. Small businesses occasionally qualify for a tax credit, as long as they meet all requirements set forth by the  Affordable Care Act (ACA) .
  • Recruiting:  Offering health insurance benefits to employees is a great way to attract potential new hires. Both recruiting and hiring practices benefit when a business provides health care since it adds so much value for workers. Many job candidates make their final employment decisions based on available medical coverage from potential employers.
  • Employee retention:  In addition to boosting recruiting efforts, offering insurance also helps improve employee retention and loyalty. Employees at companies with health insurance benefits often stay in their positions longer than those working for businesses that do not provide health care.
  • Job satisfaction:  People are generally more satisfied and happier with their jobs when they have paid time off and health insurance.
  • Productivity:  Workers with health insurance often have fewer worries about their health. They are less likely to need sick days, which means fewer absences and better productivity. When people have the health care they need, they are more likely to be healthier and more present.
  • Company culture:  By providing health insurance, a small business communicates that it values its employees’ health and wellness. This helps to foster a better company culture and encourages healthier living. By increasing your staff’s attention to wellness, employee morale will often get a boost.
  • Pre-tax benefits:  Employees can enjoy lower monthly premiums when they work for a business that offers health insurance. Workers can also pay their premiums from their pre-tax salaries.
  • Accessibility:  Health insurance can be expensive and feel out-of-reach for individuals. When employers provide medical coverage, it is more accessible and affordable.

small business health insurance california

5 Factors to Consider

When deciding on what health insurance plans to offer your team, consider the following five factors:

Every small business looking to offer health care to their employees should familiarize themselves with the various options out there. Different types of insurance and network types impact the amount of coverage and costs to employees.

Health insurance plans  fall into four metal categories :

  • Bronze:  This category has the lowest monthly premium and is a low-cost way to protect individuals in the face of illness and injury. However, this category also has the highest costs when someone needs care.
  • Silver:  With a moderate monthly premium and moderate costs when one needs care, silver plans usually have lower deductibles.
  • Gold:  The gold category has a higher monthly premium than bronze and silver. There are low costs for care and deductibles are usually low as well.
  • Platinum:  This category has the highest monthly premium and the lowest costs when one seeks care. Deductibles are especially low for the platinum tier.

In addition to different categories, there are also plan and network types to be aware of. Some options allow employees to visit nearly any healthcare facility or doctor. Others restrict the network and allow people to only use providers within a specific network.

small business health insurance california

Another consideration for small businesses is the costs of insurance. Factor in both your small business’s budget and your employees’ budgets. Small businesses that provide health insurance to their employees have both monetary and time costs.

Monetary costs will change depending on the following factors:

  • The type of insurance you offer
  • The benefits you provide
  • If you cover employees and dependents
  • Monthly premiums
  • Third-party help

For small businesses, time is money. Many owners neglect to consider the costs of their time spent on health insurance. The following tasks will contribute to time costs:

  • Finding a health insurance plan
  • Searching for providers
  • Learning your employees’ needs
  • Setting up the insurance carrier plan
  • Educating employees on the plan
  • Maintaining the plan

Owners should also consider their employees’ expenses. The following are factors that contribute to employees’ costs:

  • Premiums:  Employers typically deduct these from these employees’ paychecks. It is a fixed price similar to a monthly subscription.
  • Deductions:  Each policy has a deductible which refers to the amount that an employee pays before insurance benefits.
  • Out-of-pocket expenses:  Before choosing what plans to offer your employees, consider the expenses that insurance will not cover and employees will need to cover on their own such as copays.

3. Employees

Before choosing a health insurance plan for your small business, you must review the criteria for eligible employees.

Some insurance plans require you have a certain number of employees to enroll. Small businesses often must have up to 50 or up to 100 employees for most insurance plans.

For employees to get coverage, they often must work full-time hours and be W2 employees. Most 1099 contractors and part-time employees are not eligible for health insurance through their employer.

Some insurance plans also require employees to pass a waiting period before receiving coverage. This probationary period usually lasts about 60 days.

4. Location

Companies of all sizes are more likely to have employees operating from all over the world nowadays. The influx of remote work means not everyone on your team lives in the same state as you. This can make health insurance options complicated.

Before choosing a health insurance plan for your employees, you should consider their locations and the best plans for people who live in other states.

Some businesses choose to provide health insurance stipends or health reimbursement arrangements (HRAs) for employees. Both options have a fixed monthly allowance that helps to reduce administrative confusion.

small business health insurance california

Different health insurance plans for small businesses have different tax implications. The following are considerations for taxes when a business provides their employees with qualified health plans:

  • Tax exemptions:  With some insurance plans,  employer contributions are tax-exempt . This can lower tax payments and, in some situations, eliminate them entirely.
  • Deductions:  The funds business owners contribute to their employees’ insurance plans can sometimes be considered a business expense.
  • Tax credits:  A small business healthcare tax credit helps business owners by covering up to 50% of the premiums paid. To be eligible for this tax credit, you must have 25 full-time employees and pay at least  50% of employee premium costs .
  • Payroll taxes:  Employees who pay for health insurance with their income before taxes reduce their taxable income. This leads to lower business payroll taxes for small business owners.

Are Small Businesses Required to Provide Health Insurance?

According to the Affordable Care Act, businesses with 50 or more full-time employees must provide health benefits with minimum essential coverage. However, small businesses do not have the same obligations. Instead, smaller organizations with fewer than 50 full-time employees do not have to provide their workers with health insurance.

While most small businesses are not required to offer health insurance to their workers, many choose to provide benefits to give back to employees and accommodate their wants and needs.

The Affordable Care Act’s Essential Health Benefits

Though small businesses are not always required to provide health insurance to their employees, if they choose to do so, then they must cover the Affordable Care Act’s essential health benefits, including the following:

Ambulatory Patient Services

Any services that the patient receives outside of the hospital as outpatient care, such as any home health services or doctor’s office visits. Ambulatory services also include outpatient surgery centers.

small business health insurance california

Emergency Services

Coverage must extend to crisis situations like a trip to the emergency room or an ambulance ride. Emergencies like a heart attack or stroke do not require prior approval, and insurance cannot charge extra for an out-of-network hospital’s emergency room.

Hospitalization

Health insurance must cover inpatient stays at hospitals needed for situations like surgery or childbirth, including the following:

  • Room and board

Plans sometimes limit coverage in the event of an extended hospital stay.

Maternity Care

From pregnancy to newborn care, health insurance must cover medical services for both mother and child. This should include the cost of delivery as well as breastfeeding services and birth control.

Mental Health and Substance Abuse Services

Health insurance must cover both inpatient and outpatient care treatment of mental health disorders or substance abuse. This includes behavioral health treatments such as counseling and psychotherapy.

small business health insurance california

Prescription Drugs

Health insurance often covers medications that a doctor prescribes to treat a health condition or illness. Insurers do not cover all types of drugs, but they have an approved list of medications that they pay for some of the costs.

Rehabilitative and Habilitative Services and Devices

Small business insurance should cover services and devices associated with rehabilitation and habilitative services.

These services help individuals with the following:

  • Recovering from injuries
  • Coping with disabilities
  • Dealing with chronic conditions

Different types of therapies, such as occupational or physical therapy, fit into this category as well.

Pediatric Services

Health insurance coverage needs to extend to pediatric services, such as the following:

  • Dental care
  • Vision care
  • Well-child visits
  • Vaccinations
  • Immunizations

Children through age 19 need to have options for two routine dental exams and one eye exam annually.

small business health insurance california

Laboratory Services and Tests

Laboratory services are another benefit of health insurance. Plans should cover the testing needed for the following purposes:

  • Diagnosing illness or injuries
  • Gauging effectiveness
  • Conducting preventative screenings

Preventative Care

Health insurance coverage must extend to the following services:

  • Preventative care
  • Wellness services
  • Chronic disease management

This means annual exams and vaccinations accompanying routine doctor’s office visits are typically covered, though not every service will qualify for coverage.

Types of Small Business Health Insurance

There are many types of small business health insurance. The following are common options and some of the plans associated with them:

small business health insurance california

Small Business Health Options Program (SHOP)

The  Small Business Health Options Program (SHOP)  is a way for small employers to offer health insurance to their employees through a group health insurance plan. Your business needs to have one to 50 employees to be eligible.

SHOP insurance gives the employer flexibility to provide one or multiple plans for workers to choose from. Business owners can pick how much to pay towards their workers’ premiums.

You can also decide whether or not you want to offer coverage for your employees’ dependents and determine the waiting period before employee enrollment.

SHOP makes it possible for a small business  to reduce healthcare costs  by giving workers the chance to contribute to their coverage if they need more comprehensive health care. SHOP also offers employers a potential business tax credit of up to half of the employer’s premium contribution.

Health Reimbursement Arrangement (HRA)

A Health Reimbursement Arrangement, sometimes called a Health Reimbursement Account, refers to employer-funded group health plans where workers receive tax-free reimbursements for qualified expenses up to a set amount for the year.

Some of the most common HRA plans for small businesses include the following:

  • Qualified Small Employer Health Reimbursement Arrangement (QSEHRA):  Employers reimburse their workers for their healthcare costs like individual health insurance premiums.
  • Group Coverage Health Reimbursement Arrangement (GCHRA):  Sometimes called an integrated HRA, GCHRAs are employer-funded and help offset workers’ costs for qualifying medical expenses.
  • Individual Coverage Health Reimbursement Arrangement (ICHRA):  Businesses of all sizes can reimburse workers for either all or some of the premiums paid for health insurance that the employee paid for on their own.

Health Savings Account (HSA) and Flexible Spending Arrangement (FSA)

Both employers and employees can contribute to HSAs. Workers can use the funds in their Health Savings Account (HSA) Plans: These High Deductible Health Plans (HDHP) can be used with a Health Savings Account (HSA). An HSA allows you to set aside money on a pre-tax basis to pay for qualified medical expenses (deductibles, Co-Insurance, co-pays), helping reduce your taxes and overall health care costs. HSA funds roll over year to year if you don’t spend them. You can open an HSA through your bank or other financial institution." data-container="body" data-html="true" data-placement="bottom" data-original-title="small business health insurance california" title="small business health insurance california">HSA to pay for deductibles or copayments. Some people choose to use this account to pay for medical expenses not covered by insurance. Each fund is untaxed and pairs with high-deductible insurance coverage. HSA funds do not expire.

FSAs are similar, but employees must use their funds in the same year. Employers take FSA funds from paychecks before taxes. There is a limit on how much you can contribute to an FSA. You can only add $2,650 per year. $500 can carry over from one year to the next if employers allow it.

Association Health Plans (AHP)

An association health plan is a group health plan that allows companies with one or more workers to band together and join other companies of similar size to purchase medical coverage at the same, lower rates as large corporations. Gig workers and self-employed individuals can also join in on AHPs.

When an employer picks an AHP, they can offer better insurance plan options to their employees and at cheaper rates. This is possible because there are more people in the group other than only your team and the association can negotiate lower rates from insurance providers.

In-Network Health Insurance

In-network health insurance plans provide access to a network of healthcare facilities and professionals. These plans typically have lower costs than out-of-network options.

Doctors and medical facilities have to meet certain requirements and accept discounted rates to be part of the network. Employees who opt for in-network health insurance must visit professionals within the network to maintain lower costs. The following are common in-network plan types:

  • Health Maintenance Organization (HMO):  This type of health plan covers care from doctors within the network of professionals unless there is an emergency medical situation.
  • Exclusive Provider Organization (EPO):  With an EPO, the insured has access to a local network of doctors and facilities. This type of health plan has lower monthly premiums and higher deductibles.
  • Point of Service (POS):  This plan type allows your employees to pay less when they use healthcare professionals within your plan’s network. If a worker needs to see a specialist, their primary care doctor must provide a referral.

small business health insurance california

Out-of-Network Health Insurance

Out-of-network health insurance plans tend to be more expensive with more options. These types of plans allow employees to visit doctors and facilities outside of their network.

Without contracted relationships with doctors, insurance providers cannot control how doctors charge for their services. Individuals do not have copays with out-of-network facilities and physicians.

Indemnity plans are an example of out-of-network insurance. With an indemnity plan, there are typically no network requirements and individuals can use any provider they wish. Patients do not need referrals from their primary care doctor for specialist care. They do, however, have to file claims for all covered services, and the insurance provider pays part of the costs.

A Preferred Provider Organization (PPO) is a health plan where employees pay a higher monthly premium and have access to a larger network of professionals. This plan is a hybrid of both in- and out-of-network insurance as there is a network, but there are many more doctors and facilities within it than other options.

How to Purchase a Small Business Health Insurance Plan

When the time comes to purchase a health insurance plan for your small business, it is important to understand how the process works. Before exploring the Marketplace, you will want to take inventory of your needs and budget.

Then you’ll need to decide if you want to recruit the help of a third-party insurance professional. Partnering with an agency can make the process more streamlined. Experienced agents can answer your questions regarding the insurance exchange and the best plans for your small business.

You’ll need to get a California health insurance quote before  exploring your state’s Marketplace  to find the plan or plans you want to provide to your team.

Ensure your small business meets the requirements of the plans you choose. If you qualify, you can apply. And if the insurance provider approves your application, you can then purchase and provide health insurance for your team.

small business health insurance california

Get Small Business Health Insurance With Help From Health for California

Finding the best insurance plans doesn’t have to be a challenge. At Health for California, we can assist you with finding the right medical coverage for your small business. Our agents have experience with the application process and knowledge of the insurance providers. We can help you with any questions or concerns that arise while you strive to get your team the plan that suits them best.

Interested in getting started?  Request a quote  from Health for California and let our agents help you with small business health insurance today!

Not sure how Obamacare affects your health care plans in California? Learn how the ACA works in California, including benefits, costs and enrollment.

Covered California is the Golden State’s official health exchange marketplace where individuals, families and small businesses can find high-quality, low-cost California government health insurance.

Learn about Obamacare income guidelines in California using our income limits chart, and see if you’re eligible for government assistance.

Learn about the Covered California website. Find easy online enrollment. Set up your account, log in, buy insurance and more on the California health marketplace website.

small business health insurance california

  • Covered California    

Covered California and small business

Affordable health care for you and your employees..

Providing health care coverage to employees comes with its own unique challenges. Covered California ™ offers small businesses a wide range of health plans year-round, so that they can attract employees, retain them, and help them to stay healthy, happy, and productive. Federal tax credits may also be available for eligible employers to help offset the cost of providing health insurance coverage. Find out how Covered California can help your business.

You may qualify for a tax credit

Small business owners may qualify for a federal tax credit to help offset the cost of providing health insurance by purchasing coverage with Covered California for Small Business (CCSB). To qualify for a tax credit, employers must contribute at least 50% of their employee premium costs. The maximum available tax credit is 50% of insurance premium expenses and is available for a total of two consecutive years.

Learn more about CCSB and how to calculate your tax credit at CoveredCA.com .

Here’s a quick guide to some of the changes. 

Cost-sharing reductions.

Due to uncertainty at the federal level, an additional surcharge was added to 2018 premiums for all silver plans. This cost-sharing reduction surcharge increased the gross premium price of Silver-tier insurance plans. Most consumers did not see a significant change in the net price of their monthly premium because their financial help increased as well. Learn more about cost-sharing reductions on the Covered California website .

Coverage levels

Most health insurance newly sold to individuals and small businesses must now be classified as one of four levels of coverage: Bronze, Silver, Gold or Platinum. In addition to those four levels of coverage, a minimum coverage plan is available to those who are younger than 30 or can provide certification that they are without affordable coverage or are experiencing hardship.

Essential health benefits

All health insurance plans offered in the individual and small-group markets must provide a comprehensive package of items and services, known as essential health benefits. These benefits fit into 10 categories, and include services like prescription drugs, behavioral health care, and emergency services. View all benefits .

Dental coverage

All Covered California health insurance plans offer embedded pediatric dental coverage. This means that dental insurance for children is included in the price of all health plans purchased in the exchange. In addition, Covered California now offers supplemental dental coverage for adults, through optional family dental plans.

We partner with top-rated providers to ensure our youngest members have access to high-quality oral care services.  Delta Dental  is our provider for individual, family and small employer group plans.

Vision coverage

Covered California offers consumers a pathway to quality vision care. Vision care benefits for children are included in all health plans purchased through the exchange. Vision care for adults is not offered in Covered California health plans, but Covered California works with certain vision insurance companies to offer vision coverage directly to consumers.

We’re proud to partner with Vision Service Plan (VSP) to provide pediatric policies as supplemental riders to individual, family and group plans. Our youngest members under 19 years old have access to the highest-quality eye care services.

If your benefit plan includes vision services, employees can search for an in-network eye doctor at  vsp.com/eye-doctor  by creating an account or logging in.

Find health care resources for small business

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Small Group Health Insurance in California

Learn about health insurance for small businesses in California

What to Know about California’s Small Business Health Insurance

Employee and employer contribution requirements, small businesses must offer employees at least 10 healthcare benefits, benefits cafe can help you obtain affordable health insurance.

We understand the complexities of navigating the ins and outs of California small business health insurance. Employers and employees need transparent information to make the right choice when deciding on which plan works for them.

That’s why we’ve put together an overview on employer-sponsored medical insurance plans that meet Affordable Care Act standards.

Read on to learn about health insurance for small businesses in California:

  • What to know about California’s small business health insurance
  • Employee and employer contribution requirements
  • Benefits of health insurance for small businesses in California

Obtaining small business health insurance can seem daunting if you don’t know what it entails. But don’t worry — we’re here to close any knowledge gaps that you may have.

Small group health insurance in California includes:

  • Standardized benefits : Health insurance companies must offer the same plans to businesses with one to 100 workers. Keep in mind that if you have fewer employees, it doesn’t mean that you will have access to limited or worse health plans (you can pick any plan a company provides).
  • Regulations : Every California medical insurance firm must adhere to guidelines set by the federal government and the state of California.
  • Standardized rates : The monthly cost or rate, known as a premium, is based on a business’s location and the age of each employee and dependent.
  • Recent changes : The Biden administration (PDF) implemented a new change so that family members of employees who are covered under an employer-sponsored plan may be eligible for a subsidy if they enroll in an individual plan, not the group plan.
  • Twelve-month rate guarantee : The rate an employer pays for a plan cannot be changed within a 12-month period. Note: If you add or remove workers from a plan, the amount you pay will change.
  • Guaranteed renewal : Insurance companies have to offer and renew health coverage to every small business in California, despite any pre-existing medical conditions their employees may have.
  • No medical underwriting : Regardless of the health status of your staff member and their dependent(s) (e.g., spouse or child), they cannot be charged more for their plan.

Learn more about how California’s small group health insurance works .

Many medical insurance companies in California require that at least 60% to 70% of eligible workers enroll in a healthcare plan (PDF) offered by their employer. Additionally, a small business employer must contribute at least 50% of a worker’s monthly premium cost.

For instance, if a worker pays $300 monthly (not including dependents), then their employer must pay at least $150 of that price. Keep in mind that an insurance company may grant a lower contribution rate using a “defined contribution” arrangement. Learn more about employee and employer contribution requirements (PDF).

Get a quote on how much your business may have to pay for a California small business health insurance plan.

Small businesses that offer health insurance coverage are required to provide plans to employees that include at least 10 benefits. Those 10 requirements include:

  • Preventative services like counseling, screenings, and vaccinations
  • Pediatric services like dental and vision care for kids under 19 years old
  • Speech-language pathology, psychiatric rehabilitation, and occupational therapy to help recover from a chronic condition, injury, and disability
  • Outpatient care in a doctor’s office, not in a hospital
  • Laboratory tests
  • Inpatient care after you’ve been admitted to a hospital
  • Evaluation and treatment in an emergency room
  • Receiving care before and after the birth of a child
  • Treatment for psychotherapy, mental health counseling, and substance use
  • Prescription medicine

Benefits Cafe is an insurance agency founded in 1970 by Robert D. Jugan that helps businesses and workers find affordable health insurance plans. Our licensed insurance agents work to find customers the best benefits at cost-effective prices, no questions asked!

Learn more about our group health insurance quotes , navigating insurance terms, and more! You can also contact Benefits Cafe for more information.

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Get health insurance for your small business

Health insurance is a critical factor for small businesses to help retain and recruit employees and sustain productivity and satisfaction. UnitedHealthcare offers a range of group health insurance options designed to help your small business save money and support your employees’ health and well-being.

Request a quote for your small business (2-50 employees)

Simply complete a quick form to get started with a quote for your small business. A UnitedHealthcare representative will get in touch and work with you to help find group health insurance options that best fit your business.

small business health insurance california

View plans or request a quote (2-50 employees)

To get more details on health insurance options for your small business, click on your state below. In markets where the Small Business Store is available, 1 you will be directed there. In markets where the Small Business Store is not available, you can request a quote from UnitedHealthcare.

  • Connecticut
  • District of Columbia
  • Florida (North)
  • Florida (South)
  • Massachusetts
  • Mississippi
  • New Hampshire
  • New York (upstate)
  • North Carolina
  • North Dakota
  • Pennsylvania
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  • West Virginia
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For companies with 51 or more employees

Find the right medical plans for your employees and your business, plus supplemental plans for dental, vision, disability and more.

Explore products and solutions for small businesses

There's not just one way we work to help small businesses like yours. By offering benefits packages designed to improve employee experience and help employers manage cost, there's a number of products and solutions that may be right for your business.

Explore a range of group health plans and network options.

Discover how integrated pharmacy benefits from OptumRx may help lower costs for you and your employees.

Enhance your employees’ specialty benefits package with vision, dental, financial protection plans and more.

See how we are guiding employees to the behavioral care they need.

Get more health plan resources

Find information to help you and your employees get the most from their health benefits.

Did you know?

UnitedHealthcare’s employer-sponsored insurance plans serve groups that fall into three categories: Small Group plans refer to employers with up to 100 employees; Key Accounts is for employers with 101 to 5,000 employees; and National Accounts serves employers with more than 5,000 employees.

Building healthier workplaces together

A small business with about 40 employees shares why working with UnitedHealthcare has enabled them to provide a health plan that delivers on what matters to their employees.

small business health insurance california

Video transcript

Instrumental music plays throughout. Three white lines curl across a blue background. Blue text centers a white screen.

ONSCREEN TEXT:          Building healthier workplaces together

Upbeat music plays to a montage of shots from employees working in warehouse, a forklift, a man outside, seed being filled into a bag, a white truck driving through plains, and a blonde-haired woman smiling.

The screen dissolves into white with the blue United U logo appearing in the center.

Inspirational music begins playing as we see an aerial view of the Albert Lea Seed Plant. The scene switches to an aerial view of a baseball field, then to the Albert Lea Seed Plant entrance. The view moves inside where Matt Helgeson speaks to a circle of employees in the warehouse.

MATT: Okay, good morning, everybody.

We've got trucks at the dock today, so it's going to be a busy Monday.

We've got trucks on the scale as well, so we'll need a couple samples pulled up.

The screen shows Matt being interviewed before a white background.

MATT: Albert Lea Seed has been in business for almost 100 years,

A blue bar slides into the bottom left of the screen, containing white text.

ONSCREEN TEXT:          Matt Helgeson Owner, Albert Lea Seed

MATT: and today our focus is distributing seed throughout the Upper Midwest and throughout the country.

A white text box with the Albert Lea Seed logo scrolls down from the top left of the screen.

ONSCREEN TEXT:          Organization Albert Lea Seed 

Location Albert Lea, MN

Industry Agriculture

Established 1923

Number of employees 40

Music continues. We see Matt checking seed and then a man pouring seed into a bag in a warehouse.

Matt: One of our key focuses is distributing an organic and non-GMO seed to farmers who are under those production methods.

We see Matt and another man examining seeds in a field.

MATT: Many of our seeds that we offer here are produced by local farmers.

Those seeds include soybeans especially, and also small grains; things like oats, wheat, barley, and rye.

We see palettes of bags of organic grain seed and barley. Scene cuts to a white truck driving on a dirt road in the fields.

MATT: Those relationships with our customers matter to us, and they matter to the farmer, and so we try to offer honest advice and seeds in which the quality we believe is truly there.

Matt gets out of truck and shakes hands with another man in a field. Matt and a man inspecting crop.

Nicole Hansen begins speaking. We see the Albert Lea Seed building sign, then Nicole speaking to employees in the warehouse, handing out open enrollment booklets. A white UnitedHealthcare U logo is at the bottom right corner of the screen

NICOLE: Good morning, everyone. I'm going to briefly talk to you guys this morning about open enrollment for 2022. I'm going to hand out some booklets for everyone.

The screen changes to Nicole Hansen interviewing before a white background. A blue bar slides into the bottom left of the screen, containing white text.

ONSCREEN TEXT:        Nicole Hansen Human Resources, Albert Lea Seed

NICOLE: A lot of people are surprised to hear that the Albert Lea Seed House even offers benefits just because we're such a small employer and we're not actually required to offer any type of health insurance.

Nicole continues speaking while we see a montage of a forklift in the warehouse.

NICOLE: We want the best for our staff and for their families. We take a lot of pride in not having high turnover rates, and that's because of how we treat our employees and how comfortable they feel with us.

The screen switches back to Nicole in front of a white background.

NICOLE: We meet with our broker every year, the controller and I do, and we're always looking at a plan that's going to impact our staff in the most positive way.

Nicole continues speaking while we see a montage of employees working with seed in the warehouse.

NICOLE: Which one is going to cover them is depending on what's going on in their life and make a positive impact on them and their families.

Matt begins speaking and we see a montage of workers in the warehouse.

Matt: The health of our employees is critically important.

The screen changes to Matt being interviewed in front of a white background.

MATT: The UnitedHealthcare plan has been very beneficial for all of our employees here.

While Matt is speaking, we now see a montage of employees at work and the white UnitedHealthcare U logo in the bottom right corner.

MATT: The incentives for employees to improve their health and have more of a preventative concept is really important.

Nicole is speaking before a white background.

NICOLE: The incentive program that's offered through UnitedHealthcare is a huge success with all of my staff here.

While she is speaking, we see Nicole and Matt walking and talking outside.

NICOLE: They love the incentive for them to get up and get moving. It gives them a great feeling, and they love the extra cash flow into their HSA. These plans that we offer through UnitedHealthcare are very important to us because happier employees are more productive employees, which are healthier employees.

The screen is changing back to Nicole speaking in front of a white background

NICOLE: And that's exactly what we strive for here at the Albert Lea Seed House.

Blue text flashes quickly on screen, centering a white background.

ONSCREEN TEXT:        There

ONSCREEN TEXT:        for

ONSCREEN TEXT:        what

ONSCREEN TEXT:        matters

A blue u-shaped logo appears against a white background, followed by text.

ONSCREEN TEXT:        UnitedHealthcare

Small black text runs along the bottom of the screen.

ONSCREEN TEXT:        All trademarks are property of their respective owners.

ONSCREEN TEXT:        Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

ONSCREEN TEXT:        © 2023 United HealthCare Services, Inc. All Rights Reserved. 23-2747306

ONSCREEN TEXT:        EI232767439 11/23

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The best of blue, locally and nationally.

For companies headquartered in California, we provide a single national coverage solution – wherever your workforce is located. With our extensive Blues network, 97% of claims are in-network.

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Our health plans and programs are designed to meet the demands of today’s workforce. Employees can access care however they prefer it with our expansive provider networks, choice of virtual care and telehealth options, proven lifestyle medicine apps, and much more.

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Our commercial customers can expect responsive account management teams who are passionate about service. Further, we understand that your health coverage is yours—and no two customers are alike. We’ll work with you to integrate point solutions and vendors that you prefer.

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To truly transform the healthcare system, we focus on innovations that drive real change for our members, their communities, and providers. We want healthcare experiences to be as simple as interactions in other industries—easy, intuitive and respecting your preferences and your time.

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Changing a complex health system takes commitment--and Blue Shield is all in. We’re reimagining care to make it more accessible, more affordable, and simpler for everyone.

That includes building a modern health ecosystem that makes “anytime, anywhere” care not just possible but seamless. It means addressing rising costs; for instance, how payments move through the healthcare system or how we can help control the cost of prescription drugs. And it means a shift in focus to healthier outcomes for all.

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Here's what's open and closed on Presidents Day 2024 and why we celebrate the holiday

Here's a look at what presidents day is, when it takes place and what will be open and closed, published february 16, 2024 • updated on february 17, 2024 at 1:40 pm.

The U.S. is celebrating Presidents Day Monday and while many will be off work for the federal holiday, they'll also be wondering where they can go and what they can do.

Here's a look at what Presidents Day is, when it takes place and what will be open and closed:

What is Presidents Day and why do we celebrate it?

The earliest iteration of Presidents Day dates back to the 1800s, when the life of first U.S. President George Washington was celebrated each Feb. 22, which was his birthday, according to History.com . In 1885, Washington's birthday became the first to be designated as a federal holiday.

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Then, in 1971, the holiday was moved to third Monday in February as a result of the Uniform Monday Holiday Act, which was designed to give workers a number of three-day weekends throughout the year. According to the National Archives , the position of the holiday between Washington's birthday and Abraham Lincoln's birthday, which was Feb. 12, "gave rise to the popular name of Presidents Day."

Since Lincoln's birthday wasn't a federal holiday, Presidents Day has become a day to honor both presidents.

When is Presidents Day?

U.s. & world.

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small business health insurance california

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In 2024, Presidents Day falls on Monday, Feb. 19.

What's open and closed for Presidents Day 2024?

Because Presidents Day is a federal holiday, many facilities will be closed.

Banks: Mostly closed

Presidents Day is a holiday for the Federal Reserve Bank, meaning most bank locations will be closed. TD Bank stores will be open, though.

Post office: Closed

Because Presidents Day is a federal holiday, USPS offices will be closed.

UPS: Locations open

UPS says "pickup and delivery services are available," on Presidents Day. The company notes that UPS SurePost and UPS Mail Innovations deliveries "will require one additional business days’ time in transit due to the Federal (USPS) holiday."

The UPS Store locations are open, however.

FedEx: Modified service

Though most routes will operate normally, FedEx says it will employ modified service for FedEx Express and Ground Economy for the holiday.

Schools: Mostly closed

Most schools across the country are closed on Presidents Day, with some districts even having off the Friday before the holiday as well.

Grocery stores: Mostly open

Stores like Trader Joe's, Costco and more have said they will operate regular hours. Check your local store for hours.

Retailers and restaurants: Mostly open

While most government functions will not be operating on Monday, most big box stores and restaurants will remain open.

Many major chains will be offering a number of holidays sales in celebration of the day.

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small business health insurance california

  • Before You Buy

Does Covered California offer health coverage for small businesses?

Yes. Visit the Covered California for Small Business section of our website to learn about the benefits for small businesses and their employees. 

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COMMENTS

  1. Covered California for Small Business

    Covered California for Small Business See how we can help your business. Get a Quote Health and Dental Plans Employer Resources TRENDING TOPICS Need more help? Call Covered California for Small Business (CCSB) at (844) 332-8384 Monday through Friday between 8 a.m. and 5 p.m., excluding holidays.

  2. Small Business Health Insurance in California

    Anthem offers a range of health insurance plans for small businesses in California, with a broad network of providers and benefits. You can choose from PPO, HMO, POS, or other plan types, and combine medical, pharmacy, dental, vision, life and whole health options. Anthem also provides online tools and services to manage your benefits and costs.

  3. Small Business Plans (1-100)

    Choose from two packages of health insurance plans for small businesses in California: Off-Exchange Package or Mirror Package. Off-Exchange Package offers 60 plan options with PPO, HSA-compatible PPO, and HMO plans, and Mirror Package offers seven plan options with PPO, HSA-compatible PPO, and HMO plans.

  4. CCSB About Us

    CCSB is a marketplace that allows small businesses with one to 100 employees to choose from multiple health and dental plans from Blue Shield of California, Kaiser Permanente and Sharp. CCSB offers tax credits, convenience and employee satisfaction benefits for small businesses in California.

  5. Self-Employed People

    Learn how to get a health plan through Covered California if you work for yourself as a freelancer, independent contractor or other small business owner. Find out how to estimate your income, expenses and financial help, and how to update your information as your income changes.

  6. California Small Business Health Plans

    Find a health care plan for your small business that meets the Affordable Care Act requirements and is more cost-efficient than the average plan. Choose from copayment, deductible, or HRA/HSA-qualified plans with different metal values and benefits.

  7. CCSB Plans

    Covered California for Small Business offers health and dental insurance options for small businesses in California, with four levels of coverage and multiple plan options. Compare and select health and dental plans at a variety of price points, and find out about quality ratings, networks, benefits, and creditable coverage.

  8. Small Businesses

    Blue Shield has delivered quality health coverage to California's small businesses for over 80 years. Today, we are a top choice for small business PPO plans, with more than 40,000 small businesses relying on us for high-value plans with rich benefits and simple administration. The right value—and values

  9. California Small Business Health Insurance Information

    Learn how Obamacare has changed group health insurance in California, and how to get quotes for small business health insurance plans. Find out the benefits, rates and eligibility of Covered California for small employers and employees.

  10. CCSB Eligible

    Learn who is eligible for Covered California for Small Business, a health insurance program for small businesses with 100 or fewer full-time-equivalent employees in California. Find out the eligibility criteria, contribution and participation requirements, and how to apply for coverage.

  11. Small business health insurance California: What to know

    Learn how Health Reimbursement Arrangements (HRAs) can offer flexible and affordable health benefits for small businesses in California. Compare HRA plans with other marketplace and employer-sponsored options and find the best solution for your needs.

  12. California's Health Benefit Exchange

    Covered California works to improve the health of all Californians by assuring their access to affordable, high quality care. Since opening its doors in 2014, Covered California has helped more than 2.9 million people buy health insurance. This website contains resources for partners and information about the operations and governance of ...

  13. Small Business Medical Insurance in California

    All small business medical insurance plans have integrated pharmacy benefits. Our custom-built pharmacy benefit manager, CarelonRx integrates medical history and medications to give doctors personalized insights and guidance. With an overview of health, your employees will be empowered to make better decisions about their overall health journey.

  14. 5 best small business insurance companies in California of 2024

    Number of Small Business Products: 14 small business insurance policies and add-ons Customer support: You can contact a local agent for questions — State Farm has over 19,000 — or you can ...

  15. A Guide to Small Business Health Insurance

    Posted: March 17, 2022 For a small business, navigating health insurance can seem confusing at first glance. There are many options available for insurance plans and tons of rules to sort out. If your company lacks a human resources department, figuring out health insurance can become part of your job as an owner.

  16. Your small business and Covered California

    Small business owners may qualify for a federal tax credit to help offset the cost of providing health insurance by purchasing coverage with Covered California for Small Business (CCSB). To qualify for a tax credit, employers must contribute at least 50% of their employee premium costs.

  17. Best Small Business Health Insurance Providers Of 2024

    Updated: Feb 1, 2024, 6:38am Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. Providing health...

  18. Small Business Health Insurance California

    California health insurance for your small business We ' ve got you covered Quality California small-business health plans Each of our plans has built-in programs that integrate quality care with technology, tools, and resources. Choice, Select, and Core (PPO/POS/EPO), and the Doctors Plan ¹

  19. California Small Business Health Insurance

    Small Business Health Insurance California Group Health Insurance Made Easy with eHealth Shop California health insurance plans for your small business! eHealth's licensed agents can provide personalized recommendations and guidance through the application and enrollment process.

  20. Small Group Health insurance in California

    Learn about health insurance for small businesses in California, including employee and employer contribution requirements, benefits of health insurance, and how to get affordable health insurance. Find out what to know about California's small business health insurance and how Benefits Cafe can help you navigate the ins and outs of employer-sponsored medical insurance plans.

  21. Health insurance for small business

    UnitedHealthcare's employer-sponsored insurance plans serve groups that fall into three categories: Small Group plans refer to employers with up to 100 employees; Key Accounts is for employers with 101 to 5,000 employees; and National Accounts serves employers with more than 5,000 employees. Learn more about large business health insurance.

  22. Small Business Health Options Program

    Learn how to get health insurance for employees. Marketplace for Small Business, 50 employees or fewer. Small Business Health Options Program details

  23. Group Health Insurance for Employers

    California or nationwide. Self-funded or fully insured. HMO or PPO. More or fewer add-ons. No matter what you choose, you can expect healthier outcomes for employees; nimble, responsive account management for employers; and better cost containment for everyone. Large group accounts (101+) Small businesses (1 - 100) Labor & Trust.

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    Amy Danise is the managing editor for the insurance section at Forbes Advisor, which encompasses auto, home, renters, life, pet, travel, health and small business insurance.

  25. Here's what's open and closed on Presidents Day 2024 and why we

    In 2024, Presidents Day falls on Monday, Feb. 19. What's open and closed for Presidents Day 2024? Because Presidents Day is a federal holiday, many facilities will be closed.

  26. Does Covered California offer health coverage for small businesses?

    Covered California for Small Business (CCSB) helps you find health insurance for your employees that fits your budget and theirs.

  27. Business grants for women: Empowering female entrepreneurs

    Funds can be used for child care, health or business insurance, business tools or digital marketing. The foundation also hosts an annual pitch competition — the grand prize is worth $10,000, and ...