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California Group Health Insurance
Getting help and useful information for small group health insurance in one place can often be difficult. Here at Fresno Health Insurance Services we are dedicated to providing you with the best support possible. Listed below are the services we provide to our clients, as well as the basic requirements that need to be met in order to apply for California group Health Insurance. If you have any questions or concerns please feel free to contact us Monday – Friday 9am – 6pm PST.
Personal support provided to you cost free.
We cover the entire state of California and provided health insurance quotes from the top Health Insurance carriers including dental, life and vision benefits.
Who is Eligible for Small Group Coverage?
According to California law AB1672, small employers are guaranteed group coverage should they choose to purchase it, regardless of the employees' health status. A "small group employer" is defined as a business with 2 to 50 full-time employees. Owners are generally counted as employees, so sole proprietorships with one employee fall into this category, as do partnerships without any employees (by definition partnerships have two or more partners).
California state law AB1672 says that small employers cannot be denied coverage as long as they:
• Pay their premiums.• Have been in business longer than 60 days.
• Offer medical insurance coverage to all eligible full- and part-time employees. (part-time employee benefits are optional)
• Comply with employer contribution and employee participation requirements.
• Have not committed fraud against the insurer.
Small business groups 2-50 employees
Who’s Eligible?
• W-2 paid full time employees working 30 or more hours per week
• W-2 paid part time employees working 20-29 hours per week. (Note: The employer does not have to offer coverage to part time employees, it is optional.)
• In certain case 1099 contract employees may also be eligible.
• Family members and dependents of enrolled employee are eligible for group health benefits. (Note: employer is not responsible for additional family members and dependents premiums.)
Additional requirements and documentation for Small business groups
• A DE-6 must be provided. Carriers us this to determine employees eligibility• At least 75% of eligible full time employees must participate in the group
• The employer must pay a minimum of 50% of the employee’s health insurance premiums
• A detailed census must be presented. (Census forum provided by Fresno Health Insurance Services)
Husband and Wives Sole Proprietorships
For husbands and wives sole proprietorships it can sometimes be difficult to obtain small group coverage. Not all California Group Health Insurance carriers will cover them as a small group. A few select carriers will offer coverage if proper documentation is supplied.
• A schedule C tax return with both husbands and wives name list
• A current business license with both names listed
• A detailed census must be presented. (Census forum provided by Fresno Health Insurance Services)
Family members and dependents of enrolled employee are eligible for group health benefits.
Partnerships
• A Schedule K tax filing document is required listing all names of partners • A detailed census must be presented. (Census forum provided by Fresno Health Insurance Services) Family members and dependents of enrolled employee are eligible for group health benefits.