Health insurance is not always easy to understand. Some might suggest it is never easy to understand. We know you have questions, and we’ll address some of the most frequently asked questions about health insurance below.
How many employees do you need for group health insurance?
If you have a California small business with 1-100 employees, you have several options for purchasing employees’ coverage:
- Directly through an insurance carrier or administrator
- Through the state’s public health insurance exchange: Covered California
- Through the CaliforniaChoice private health insurance exchange
- With help from a health insurance broker or benefits consultant
You may be able to choose from a variety of coverage types, including:
- Fully insured plans
- Self-funded plans
- Level-funded plans
- Health Maintenance Organization (HMO) plans
- Preferred Provider Organization (PPO) plans
- Exclusive Provider Organization (EPO) plans
- High-Deductible Health Plans (HDHPs) – often offered in combination with a Health Savings Account (HSA)
You can start your search for employees’ benefits by talking with a broker. At CaliforniaChoice, we believe using a broker helps you in many ways. (Some of those are outlined above.) If you don’t already have a broker, we make it easy to search for one.
It’s important to note that plans in all tiers include free preventive care, and some offer selected free or discounted services before you meet your deductible. Ask your agent, broker, benefits consultant, or carrier for details.
What is the least number of persons that can be covered by a group health insurance plan?
Each plan’s minimum enrollment is set by the insurance company underwriting the coverage.
For ACA-compliant plans, you must have one enrolling employee. Groups in California with 1-100 employees qualify as “Small Groups.” Group with 101+ employees are “Large Groups.”
The California Department of Insurance offers some information on its website to help small businesses shop for health insurance.
Do most employers pay the entire cost of group health insurance for their employees?
According to the 2022 Employer Health Survey published by the Kaiser Family Foundation (KFF), on average, covered workers contribute 17% of the premium for single coverage and 28% of the premium for family coverage. Workers at smaller firms contribute, on average, a higher percentage of premium for family coverage (36% vs. 26%). Smaller business workers in 2022 contributed about $2,000 more annually than employees at larger firms. Those employed by private for-profit firms typically make higher percentage contributions than those at other firms. Workers at public firms typically make smaller contributions. This was true for both single and family coverage. Information on 2023 is expected to be available from KFF by mid-November. Watch for an update in a future MyCalChoice blog.
Do I need to work with a broker?
It’s not required. But you may find it beneficial. A broker will know your market and the plans and providers that you and your employees are considering. That expertise can help save you time and money.
Health insurance agents and brokers must complete at least 20 hours of approved, pre-license training. Code and ethics training is also required. Applicants must undergo a background check and fingerprinting. There are other requirements, too, to maintain a license. A broker is a reliable resource when you’re shopping and comparing options for your business.
Where can I find the most plan choices?
Today’s workplace is more diverse than ever. It may include five generations. Traditionalists, baby boomers, Generation X, millennials, and Generation Z. That makes it difficult for employers to find a health plan that works for all employees.
A Health Maintenance Organization (HMO) might work for some. Others may prefer a Preferred Provider Organization (PPO) or Exclusive Provider Organization (EPO).
Fortunately for you and your employees, you don’t have to choose. You can offer a program that includes HMOs, PPOs, EPOs, and Health Savings Account-qualified High Deductible Health Plans (HDHPs). That plan is CaliforniaChoice.
The CaliforniaChoice private health exchange offers everything you and your employees want:
- Eight health plans and 20+ networks – through a single health program.
- Dozens of coverage choices across all four Affordable Care Act (ACA) tiers.
- Cost control with Defined Contribution – you choose how much you put toward employees’ insurance. Then your employees apply that contribution to the cost of the plan they like best. (If they choose a plan that costs more than you’re contributing, employees pay the difference.)
- Greater access to providers – including 80,000+ doctors and nearly 400 hospitals.
- Options for Dental, Vision, Acupuncture + Chiropractic, and Life Insurance.
- Consolidated billing: one bill for all employees’ coverage – even if employees enroll in different carrier plans.
You might select a PPO from Anthem Blue Cross because you want access to a doctor or hospital in the Anthem network. One of your employees might prefer a local or regional HMO. They can choose Sutter Health Plus or Western Health Advantage in Northern California or Sharp Health Plan in the San Diego area.
A third employee might want an HMO plan from Health Net, Kaiser Permanente, or UnitedHealthcare. Others might choose an EPO from Anthem or Cigna + Oscar. Someone might prefer an HSA-compatible plan. With CaliforniaChoice, it’s your – and their – choice.
Get Help from a Broker
You can start your search for employees’ benefits by talking with a broker. At CaliforniaChoice, we believe using a broker helps you in many ways. (Some of those are outlined above.) If you don’t already have a broker, we make it easy to search for one.
Here is some valuable guidance from the HealthCare.gov website:
Bronze
- Lowest monthly premium.
- Highest costs when you need care.
- Bronze plan deductibles — what you pay before your insurance plan starts to pay — can be thousands of dollars a year.
- Good choice if you want a low-cost way to protect yourself from worst-case medical scenarios, like serious sickness or injury. Your monthly premium will be low, but you will have to pay for most routine care yourself.
Silver
- Moderate monthly premium.
- Moderate costs when you need care.
- Silver deductibles are usually lower than those of Bronze plans.
- Good choice if you qualify for “extra savings” or if you are willing to pay a higher monthly premium than Bronze to have more routine care covered.
Gold
- High monthly premium.
- Low costs when you need care.
- Deductibles — the amount of medical costs you pay yourself before your plan pays — are typically low.
- Good choice if you’re willing to pay more each month to have more costs covered when treated. If you use a lot of care, a Gold plan may be a good value.
Platinum
- Highest monthly premium.
- Lowest costs when you get care.
- Deductibles are extremely low; your plan starts paying its share earlier than for other plan tiers.
- Good choice if you usually use a lot of care and can pay a high monthly premium, knowing nearly all other costs will be covered.
It’s important to note that plans in all tiers include free preventive care, and some offer selected free or discounted services before you meet your deductible. Ask your agent, broker, benefits consultant, or carrier for details.
What is the least number of persons that can be covered by a group health insurance plan?
Each plan’s minimum enrollment is set by the insurance company underwriting the coverage.
For ACA-compliant plans, you must have one enrolling employee. Groups in California with 1-100 employees qualify as “Small Groups.” Group with 101+ employees are “Large Groups.”
The California Department of Insurance offers some information on its website to help small businesses shop for health insurance.
Do most employers pay the entire cost of group health insurance for their employees?
According to the 2022 Employer Health Survey published by the Kaiser Family Foundation (KFF), on average, covered workers contribute 17% of the premium for single coverage and 28% of the premium for family coverage. Workers at smaller firms contribute, on average, a higher percentage of premium for family coverage (36% vs. 26%). Smaller business workers in 2022 contributed about $2,000 more annually than employees at larger firms. Those employed by private for-profit firms typically make higher percentage contributions than those at other firms. Workers at public firms typically make smaller contributions. This was true for both single and family coverage. Information on 2023 is expected to be available from KFF by mid-November. Watch for an update in a future MyCalChoice blog.
Do I need to work with a broker?
It’s not required. But you may find it beneficial. A broker will know your market and the plans and providers that you and your employees are considering. That expertise can help save you time and money.
Health insurance agents and brokers must complete at least 20 hours of approved, pre-license training. Code and ethics training is also required. Applicants must undergo a background check and fingerprinting. There are other requirements, too, to maintain a license. A broker is a reliable resource when you’re shopping and comparing options for your business.
Where can I find the most plan choices?
Today’s workplace is more diverse than ever. It may include five generations. Traditionalists, baby boomers, Generation X, millennials, and Generation Z. That makes it difficult for employers to find a health plan that works for all employees.
A Health Maintenance Organization (HMO) might work for some. Others may prefer a Preferred Provider Organization (PPO) or Exclusive Provider Organization (EPO).
Fortunately for you and your employees, you don’t have to choose. You can offer a program that includes HMOs, PPOs, EPOs, and Health Savings Account-qualified High Deductible Health Plans (HDHPs). That plan is CaliforniaChoice.
The CaliforniaChoice private health exchange offers everything you and your employees want:
- Eight health plans and 20+ networks – through a single health program.
- Dozens of coverage choices across all four Affordable Care Act (ACA) tiers.
- Cost control with Defined Contribution – you choose how much you put toward employees’ insurance. Then your employees apply that contribution to the cost of the plan they like best. (If they choose a plan that costs more than you’re contributing, employees pay the difference.)
- Greater access to providers – including 80,000+ doctors and nearly 400 hospitals.
- Options for Dental, Vision, Acupuncture + Chiropractic, and Life Insurance.
- Consolidated billing: one bill for all employees’ coverage – even if employees enroll in different carrier plans.
You might select a PPO from Anthem Blue Cross because you want access to a doctor or hospital in the Anthem network. One of your employees might prefer a local or regional HMO. They can choose Sutter Health Plus or Western Health Advantage in Northern California or Sharp Health Plan in the San Diego area.
A third employee might want an HMO plan from Health Net, Kaiser Permanente, or UnitedHealthcare. Others might choose an EPO from Anthem or Cigna + Oscar. Someone might prefer an HSA-compatible plan. With CaliforniaChoice, it’s your – and their – choice.
Get Help from a Broker
You can start your search for employees’ benefits by talking with a broker. At CaliforniaChoice, we believe using a broker helps you in many ways. (Some of those are outlined above.) If you don’t already have a broker, we make it easy to search for one.
Here is some valuable guidance from the HealthCare.gov website:
Bronze
- Lowest monthly premium.
- Highest costs when you need care.
- Bronze plan deductibles — what you pay before your insurance plan starts to pay — can be thousands of dollars a year.
- Good choice if you want a low-cost way to protect yourself from worst-case medical scenarios, like serious sickness or injury. Your monthly premium will be low, but you will have to pay for most routine care yourself.
Silver
- Moderate monthly premium.
- Moderate costs when you need care.
- Silver deductibles are usually lower than those of Bronze plans.
- Good choice if you qualify for “extra savings” or if you are willing to pay a higher monthly premium than Bronze to have more routine care covered.
Gold
- High monthly premium.
- Low costs when you need care.
- Deductibles — the amount of medical costs you pay yourself before your plan pays — are typically low.
- Good choice if you’re willing to pay more each month to have more costs covered when treated. If you use a lot of care, a Gold plan may be a good value.
Platinum
- Highest monthly premium.
- Lowest costs when you get care.
- Deductibles are extremely low; your plan starts paying its share earlier than for other plan tiers.
- Good choice if you usually use a lot of care and can pay a high monthly premium, knowing nearly all other costs will be covered.
It’s important to note that plans in all tiers include free preventive care, and some offer selected free or discounted services before you meet your deductible. Ask your agent, broker, benefits consultant, or carrier for details.
What is the least number of persons that can be covered by a group health insurance plan?
Each plan’s minimum enrollment is set by the insurance company underwriting the coverage.
For ACA-compliant plans, you must have one enrolling employee. Groups in California with 1-100 employees qualify as “Small Groups.” Group with 101+ employees are “Large Groups.”
The California Department of Insurance offers some information on its website to help small businesses shop for health insurance.
Do most employers pay the entire cost of group health insurance for their employees?
According to the 2022 Employer Health Survey published by the Kaiser Family Foundation (KFF), on average, covered workers contribute 17% of the premium for single coverage and 28% of the premium for family coverage. Workers at smaller firms contribute, on average, a higher percentage of premium for family coverage (36% vs. 26%). Smaller business workers in 2022 contributed about $2,000 more annually than employees at larger firms. Those employed by private for-profit firms typically make higher percentage contributions than those at other firms. Workers at public firms typically make smaller contributions. This was true for both single and family coverage. Information on 2023 is expected to be available from KFF by mid-November. Watch for an update in a future MyCalChoice blog.
Do I need to work with a broker?
It’s not required. But you may find it beneficial. A broker will know your market and the plans and providers that you and your employees are considering. That expertise can help save you time and money.
Health insurance agents and brokers must complete at least 20 hours of approved, pre-license training. Code and ethics training is also required. Applicants must undergo a background check and fingerprinting. There are other requirements, too, to maintain a license. A broker is a reliable resource when you’re shopping and comparing options for your business.
Where can I find the most plan choices?
Today’s workplace is more diverse than ever. It may include five generations. Traditionalists, baby boomers, Generation X, millennials, and Generation Z. That makes it difficult for employers to find a health plan that works for all employees.
A Health Maintenance Organization (HMO) might work for some. Others may prefer a Preferred Provider Organization (PPO) or Exclusive Provider Organization (EPO).
Fortunately for you and your employees, you don’t have to choose. You can offer a program that includes HMOs, PPOs, EPOs, and Health Savings Account-qualified High Deductible Health Plans (HDHPs). That plan is CaliforniaChoice.
The CaliforniaChoice private health exchange offers everything you and your employees want:
- Eight health plans and 20+ networks – through a single health program.
- Dozens of coverage choices across all four Affordable Care Act (ACA) tiers.
- Cost control with Defined Contribution – you choose how much you put toward employees’ insurance. Then your employees apply that contribution to the cost of the plan they like best. (If they choose a plan that costs more than you’re contributing, employees pay the difference.)
- Greater access to providers – including 80,000+ doctors and nearly 400 hospitals.
- Options for Dental, Vision, Acupuncture + Chiropractic, and Life Insurance.
- Consolidated billing: one bill for all employees’ coverage – even if employees enroll in different carrier plans.
You might select a PPO from Anthem Blue Cross because you want access to a doctor or hospital in the Anthem network. One of your employees might prefer a local or regional HMO. They can choose Sutter Health Plus or Western Health Advantage in Northern California or Sharp Health Plan in the San Diego area.
A third employee might want an HMO plan from Health Net, Kaiser Permanente, or UnitedHealthcare. Others might choose an EPO from Anthem or Cigna + Oscar. Someone might prefer an HSA-compatible plan. With CaliforniaChoice, it’s your – and their – choice.
Get Help from a Broker
You can start your search for employees’ benefits by talking with a broker. At CaliforniaChoice, we believe using a broker helps you in many ways. (Some of those are outlined above.) If you don’t already have a broker, we make it easy to search for one.
For group-sponsored health insurance, you (as the employer) select the metal tier to offer to your employees. Some programs may give you the option to select more than one metal tier. Ask your carrier or broker for details.
How do employees know what metal tier is right for them?
Here is some valuable guidance from the HealthCare.gov website:
Bronze
- Lowest monthly premium.
- Highest costs when you need care.
- Bronze plan deductibles — what you pay before your insurance plan starts to pay — can be thousands of dollars a year.
- Good choice if you want a low-cost way to protect yourself from worst-case medical scenarios, like serious sickness or injury. Your monthly premium will be low, but you will have to pay for most routine care yourself.
Silver
- Moderate monthly premium.
- Moderate costs when you need care.
- Silver deductibles are usually lower than those of Bronze plans.
- Good choice if you qualify for “extra savings” or if you are willing to pay a higher monthly premium than Bronze to have more routine care covered.
Gold
- High monthly premium.
- Low costs when you need care.
- Deductibles — the amount of medical costs you pay yourself before your plan pays — are typically low.
- Good choice if you’re willing to pay more each month to have more costs covered when treated. If you use a lot of care, a Gold plan may be a good value.
Platinum
- Highest monthly premium.
- Lowest costs when you get care.
- Deductibles are extremely low; your plan starts paying its share earlier than for other plan tiers.
- Good choice if you usually use a lot of care and can pay a high monthly premium, knowing nearly all other costs will be covered.
It’s important to note that plans in all tiers include free preventive care, and some offer selected free or discounted services before you meet your deductible. Ask your agent, broker, benefits consultant, or carrier for details.
What is the least number of persons that can be covered by a group health insurance plan?
Each plan’s minimum enrollment is set by the insurance company underwriting the coverage.
For ACA-compliant plans, you must have one enrolling employee. Groups in California with 1-100 employees qualify as “Small Groups.” Group with 101+ employees are “Large Groups.”
The California Department of Insurance offers some information on its website to help small businesses shop for health insurance.
Do most employers pay the entire cost of group health insurance for their employees?
According to the 2022 Employer Health Survey published by the Kaiser Family Foundation (KFF), on average, covered workers contribute 17% of the premium for single coverage and 28% of the premium for family coverage. Workers at smaller firms contribute, on average, a higher percentage of premium for family coverage (36% vs. 26%). Smaller business workers in 2022 contributed about $2,000 more annually than employees at larger firms. Those employed by private for-profit firms typically make higher percentage contributions than those at other firms. Workers at public firms typically make smaller contributions. This was true for both single and family coverage. Information on 2023 is expected to be available from KFF by mid-November. Watch for an update in a future MyCalChoice blog.
Do I need to work with a broker?
It’s not required. But you may find it beneficial. A broker will know your market and the plans and providers that you and your employees are considering. That expertise can help save you time and money.
Health insurance agents and brokers must complete at least 20 hours of approved, pre-license training. Code and ethics training is also required. Applicants must undergo a background check and fingerprinting. There are other requirements, too, to maintain a license. A broker is a reliable resource when you’re shopping and comparing options for your business.
Where can I find the most plan choices?
Today’s workplace is more diverse than ever. It may include five generations. Traditionalists, baby boomers, Generation X, millennials, and Generation Z. That makes it difficult for employers to find a health plan that works for all employees.
A Health Maintenance Organization (HMO) might work for some. Others may prefer a Preferred Provider Organization (PPO) or Exclusive Provider Organization (EPO).
Fortunately for you and your employees, you don’t have to choose. You can offer a program that includes HMOs, PPOs, EPOs, and Health Savings Account-qualified High Deductible Health Plans (HDHPs). That plan is CaliforniaChoice.
The CaliforniaChoice private health exchange offers everything you and your employees want:
- Eight health plans and 20+ networks – through a single health program.
- Dozens of coverage choices across all four Affordable Care Act (ACA) tiers.
- Cost control with Defined Contribution – you choose how much you put toward employees’ insurance. Then your employees apply that contribution to the cost of the plan they like best. (If they choose a plan that costs more than you’re contributing, employees pay the difference.)
- Greater access to providers – including 80,000+ doctors and nearly 400 hospitals.
- Options for Dental, Vision, Acupuncture + Chiropractic, and Life Insurance.
- Consolidated billing: one bill for all employees’ coverage – even if employees enroll in different carrier plans.
You might select a PPO from Anthem Blue Cross because you want access to a doctor or hospital in the Anthem network. One of your employees might prefer a local or regional HMO. They can choose Sutter Health Plus or Western Health Advantage in Northern California or Sharp Health Plan in the San Diego area.
A third employee might want an HMO plan from Health Net, Kaiser Permanente, or UnitedHealthcare. Others might choose an EPO from Anthem or Cigna + Oscar. Someone might prefer an HSA-compatible plan. With CaliforniaChoice, it’s your – and their – choice.
Get Help from a Broker
You can start your search for employees’ benefits by talking with a broker. At CaliforniaChoice, we believe using a broker helps you in many ways. (Some of those are outlined above.) If you don’t already have a broker, we make it easy to search for one.
Options and carriers may vary depending on what part of California you operate in as well as the ZIP Codes for enrolling employees.
How much does Group Health Insurance cost?
The cost of a Group Health plan is influenced by many factors:
- the age of participants (employees and dependents if enrolling)
- the size of the group (and whether it’s considered a Small Group or Large Group; in California, Small Group applies to businesses with up to 100 employees)
- the coverage selected (HMO, PPO, EPO, HDHP, etc.)
- the plan’s benefits (including deductibles and copays)
- the plan’s Affordable Care Act (ACA) metal tier: Bronze, Silver, Gold, and Platinum
What are the ACA metal tiers? What can my employees expect a plan to pay at each of the tiers?
The ACA introduced four metal tier levels of coverage based on the actuarial value for each health plan. The categories have nothing to do with the quality of care. Instead, they represent the share of in-network expenses paid by the insurance carrier and the percentage of costs paid by the member.
Here’s an overview:
| Metal Tier/ Plan Category | Payment Based on Actuarial Value | Member Pays |
| Platinum | Insurance carrier pays 90% of the costs of covered in-network benefits | 10% of costs of covered in-network benefits |
| Gold | Insurance carrier pays 80% of the costs of covered in-network benefits | 20% of costs of covered in-network benefits |
| Silver | Insurance carrier pays 70% of the costs of covered in-network benefits | 30% of costs of covered in-network benefits |
| Bronze | Insurance carrier pays 60% of the costs of covered in-network benefits | 40% of costs of covered in-network benefits |
The amount you and your employee pay in premium depends on what percentage of covered benefits are paid for by the plan. For example, a Platinum plan is typically more expensive. On the plus side, it pays a higher percentage toward covered in-network services. A Bronze plan typically offers lower premiums. But it pays less toward covered in-network services. Costs could be higher in the long term for individuals with a Bronze plan who need a lot of medical care.
For group-sponsored health insurance, you (as the employer) select the metal tier to offer to your employees. Some programs may give you the option to select more than one metal tier. Ask your carrier or broker for details.
How do employees know what metal tier is right for them?
Here is some valuable guidance from the HealthCare.gov website:
Bronze
- Lowest monthly premium.
- Highest costs when you need care.
- Bronze plan deductibles — what you pay before your insurance plan starts to pay — can be thousands of dollars a year.
- Good choice if you want a low-cost way to protect yourself from worst-case medical scenarios, like serious sickness or injury. Your monthly premium will be low, but you will have to pay for most routine care yourself.
Silver
- Moderate monthly premium.
- Moderate costs when you need care.
- Silver deductibles are usually lower than those of Bronze plans.
- Good choice if you qualify for “extra savings” or if you are willing to pay a higher monthly premium than Bronze to have more routine care covered.
Gold
- High monthly premium.
- Low costs when you need care.
- Deductibles — the amount of medical costs you pay yourself before your plan pays — are typically low.
- Good choice if you’re willing to pay more each month to have more costs covered when treated. If you use a lot of care, a Gold plan may be a good value.
Platinum
- Highest monthly premium.
- Lowest costs when you get care.
- Deductibles are extremely low; your plan starts paying its share earlier than for other plan tiers.
- Good choice if you usually use a lot of care and can pay a high monthly premium, knowing nearly all other costs will be covered.
It’s important to note that plans in all tiers include free preventive care, and some offer selected free or discounted services before you meet your deductible. Ask your agent, broker, benefits consultant, or carrier for details.
What is the least number of persons that can be covered by a group health insurance plan?
Each plan’s minimum enrollment is set by the insurance company underwriting the coverage.
For ACA-compliant plans, you must have one enrolling employee. Groups in California with 1-100 employees qualify as “Small Groups.” Group with 101+ employees are “Large Groups.”
The California Department of Insurance offers some information on its website to help small businesses shop for health insurance.
Do most employers pay the entire cost of group health insurance for their employees?
According to the 2022 Employer Health Survey published by the Kaiser Family Foundation (KFF), on average, covered workers contribute 17% of the premium for single coverage and 28% of the premium for family coverage. Workers at smaller firms contribute, on average, a higher percentage of premium for family coverage (36% vs. 26%). Smaller business workers in 2022 contributed about $2,000 more annually than employees at larger firms. Those employed by private for-profit firms typically make higher percentage contributions than those at other firms. Workers at public firms typically make smaller contributions. This was true for both single and family coverage. Information on 2023 is expected to be available from KFF by mid-November. Watch for an update in a future MyCalChoice blog.
Do I need to work with a broker?
It’s not required. But you may find it beneficial. A broker will know your market and the plans and providers that you and your employees are considering. That expertise can help save you time and money.
Health insurance agents and brokers must complete at least 20 hours of approved, pre-license training. Code and ethics training is also required. Applicants must undergo a background check and fingerprinting. There are other requirements, too, to maintain a license. A broker is a reliable resource when you’re shopping and comparing options for your business.
Where can I find the most plan choices?
Today’s workplace is more diverse than ever. It may include five generations. Traditionalists, baby boomers, Generation X, millennials, and Generation Z. That makes it difficult for employers to find a health plan that works for all employees.
A Health Maintenance Organization (HMO) might work for some. Others may prefer a Preferred Provider Organization (PPO) or Exclusive Provider Organization (EPO).
Fortunately for you and your employees, you don’t have to choose. You can offer a program that includes HMOs, PPOs, EPOs, and Health Savings Account-qualified High Deductible Health Plans (HDHPs). That plan is CaliforniaChoice.
The CaliforniaChoice private health exchange offers everything you and your employees want:
- Eight health plans and 20+ networks – through a single health program.
- Dozens of coverage choices across all four Affordable Care Act (ACA) tiers.
- Cost control with Defined Contribution – you choose how much you put toward employees’ insurance. Then your employees apply that contribution to the cost of the plan they like best. (If they choose a plan that costs more than you’re contributing, employees pay the difference.)
- Greater access to providers – including 80,000+ doctors and nearly 400 hospitals.
- Options for Dental, Vision, Acupuncture + Chiropractic, and Life Insurance.
- Consolidated billing: one bill for all employees’ coverage – even if employees enroll in different carrier plans.
You might select a PPO from Anthem Blue Cross because you want access to a doctor or hospital in the Anthem network. One of your employees might prefer a local or regional HMO. They can choose Sutter Health Plus or Western Health Advantage in Northern California or Sharp Health Plan in the San Diego area.
A third employee might want an HMO plan from Health Net, Kaiser Permanente, or UnitedHealthcare. Others might choose an EPO from Anthem or Cigna + Oscar. Someone might prefer an HSA-compatible plan. With CaliforniaChoice, it’s your – and their – choice.
Get Help from a Broker
You can start your search for employees’ benefits by talking with a broker. At CaliforniaChoice, we believe using a broker helps you in many ways. (Some of those are outlined above.) If you don’t already have a broker, we make it easy to search for one.
