The Affordable Care Act (ACA) has been a game-changer for health insurance, dramatically boosting access for millions of Californians. A 2022 study by KFF revealed that nearly half (47%) of California residents received their health insurance through their employers. More than a fourth (26.8%) have Medicaid (Medi-Cal in California). Twelve percent have Medicare or related coverage. Non-group and military coverage account for a combined 7.7%. Uninsureds in the Golden State account for eight percent of the state’s population.

According to IBISWorld, California has the highest number of businesses in the legal profession, 62,753 to be precise. Mployer estimates that 87% of legal services firms offer medical insurance. That is substantially higher than the 69% national average for employers. Health insurance is a valuable benefit for employees and their families. And it consistently ranks among the most-appreciated benefits in employee surveys. If you’re running a law or related firm in the Golden State, CaliforniaChoice is one option to consider. It offers tremendous flexibility and freedom — for you and your employees.

Discover What Sets CaliforniaChoice Apart

CaliforniaChoice offers more than traditional health insurance programs:

• Since 1996, CaliforniaChoice has been revolutionizing health insurance for California’s small businesses. Our multi-carrier private exchange provides flexible health insurance solutions for groups of up to 100 employees.
• Nearly 33,000 small businesses in California have embraced the benefits of CaliforniaChoice, with more than 495,000 members now enjoying the services offered by CaliforniaChoice and its sister exchange, ChoiceBuilder, which offers Dental, Vision, Chiropractic & Acupuncture, and Life Insurance.
• You can choose from eight health plans. Anthem Blue Cross, Cigna + Oscar, Health Net, Kaiser Permanente, Sharp Health Plan, Sutter Health Plus, UnitedHealthcare, and Western Health Advantage offer a range of HMO, PPO, EPO, and Health Savings Account-qualified coverage (Availability depends on where the employee lives in California.)
• Defined Contribution gives you greater control over what you spend on employee benefits. You can choose a Fixed Percentage (50% to 100%) of a specific plan and/or benefit. Or you can choose a Fixed Dollar Amount for each employee. (All employees must receive the same contribution to the cost of their coverage.)
• CaliforniaChoice gives you access to more health care providers than any other single program in the state. You can choose Bronze, Silver, Gold, or Platinum tier coverage. Each tier offers a different percentage of shared health care costs. They range from 10% to 40%. (The health plan pays the other 90% to 60%.)
• Employees can easily find a plan to fit their individual or family health care needs – and their budget.
• Options for added coverage: Dental, Vision, Chiropractic & Acupuncture, and Life Insurance are also available.
• Pro-bono extras: With the Business Solutions Suite, you can get a free Flexible Spending Account (FSA), Premium Only Plan (POP), and COBRA billing services. Together, you could save hundreds or even thousands on administration and payroll taxes. Employees can put away funds, pre-tax, to pay for health care expenses and their share of insurance premiums.

In today’s competitive talent market, a “one-size-fits-all” approach to benefits simply doesn’t cut it. Lawyers and other employees expect more, and they will move on if you don’t offer the benefits they want. The verdict is in: CaliforniaChoice is a proven winner. That’s why it’s among the fastest-growing benefits programs in the state.

Talk to a Broker to Learn More

Judge for yourself. If you want to learn more about how CaliforniaChoice can work for your law firm, talk with your employee benefits broker. A broker can provide you with a custom quote for your group. If you don’t already have a broker, we make it easy to search for one here.