California Small Business Health Insurance

Small business owners in California can find, compare, apply for, and enroll in group health insurance plans through SimplyInsured. Pricing varies by state, but is only dependent on the ages of employees and their dependents. Having pre-existing conditions such as high blood pressure or diabetes no longer impacts the cost of insurance for a specific individual. In order to be eligible for small group health insurance, you must have two people in the company including owners, at least one of which is a W-2 employee. You can apply for group health insurance any time during the year - you do not need to wait for an open enrollment period. The application process can be done online through SimplyInsured and can be completed in minutes.

Small business insurance in California is pre-tax, which means the amount you spend on premiums is exempt from employer and employee taxes. This provides you a 30-40% tax benefit on the cost of insurance.

There are many plan options in California. To determine the best plan for you, assess your budget and the health needs of your employees. If employees expect to utilize more care and need flexibility in the providers they see, PPOs may be preferable. These plans have wider doctor and hospital networks, and you do not need a referral to see specialists. If employees will seldom require care and do not have specific preferences for providers, HMOs with higher deductibles may be preferable. Generally, PPOs have higher premiums than HMOs. If you expect pregnancies and surgeries, check the plan details to see the cost of hospital visits. If your employees take prescription drugs, check the cost of both generic and brand drugs at the pharmacy.

SimplyInsured offers hundreds of plans from top carriers in California. As a top-producing broker, we have preferred status with several carriers, which ensures our clients' needs are met quickly and thoroughly. We take pride in our high customer satisfaction scores, and work to improve the customer experience everyday.

California Market Overview

The California small business health insurance market is one of the most competitive and complex insurance markets in the country. For a small business, there are many health insurance options to choose from - multiple carriers, tiered doctor networks, government exchange vs private market plans, etc. The large number of options in the California market can make looking for the right health insurance plan intimidating, but can also provide substantial savings opportunities by narrowing in on the most appropriate plan for specific needs.

California Health Insurance Carriers at a Glance

Carrier Available Statewide National Doctor Network Offers SHOP Exchange Plans # of Network Tiers # of California Hospitals Covered # of Doctors Covered
Aetna
Yes Yes No 8 300 7,700
Anthem Blue Cross
Yes Yes No 5 330 60,000
Blue Shield
Yes Yes Yes 5 351 60,000
Health Net
Yes Yes Yes 4 308 55,000
Kaiser Permanente
No No Yes 1 38 17,500
Sharp
No No Yes 4 13 5,500
UnitedHealthcare
Yes Yes No 6 363 97,000

Below is more information about the health insurance market in California, including statistics and descriptions of all major carriers.

California Medical Insurance Statistics

No. of carriers available through SimplyInsured 7
No. of plans available through SimplyInsured 334
Average deductible $1,900
Average cost of doctor visit $0
Average cost of hospital stay $4,000
Average out of pocket maximum $6,200
Average employer contribution* $380
Average employee contribution* $570
* including dependents, for the last year, based on SimplyInsured data

Average Out of Pocket Maximum & Deductible for California Group Medical Insurance Plans*

Monthly Premium Range Average Out of Pocket Maximum Average Deductible Percentage of All Plans
$0 - $300 $6,700 $4,400 6%
$300 - $500 $6,300 $2,200 61%
$500 - $700 $5,900 $700 29%
$700+ $5,900 $500 4%
* Monthly premiums are calculated for one 30-year-old

Available California Plans by Network Type

Network Type No. of Plans Available Median Monthly Premium
EPO 23 $403
POS 52 $438
PPO 59 $449
HMO 199 $453
Indemnity 1 $854

Find Employer Group Health Insurance for Small Businesses in California

California Health Plans

Are you researching California health insurance to find small business health insurance plans? Would you like to compare plans, premiums and other cost factors to provide coverage for your employees? SimplyInsured provides access to California health insurance companies. See more information about California Health Plans and get free, instant, online quotes.

California Insurance Providers