Small Group Benefits

California is truly the land of opportunity for Small Group health coverage with laws that give special rights and protections to businesses with 2 - 50 employees. GET SMALL GROUP QUOTES

Guarantee Issue - unlike individual policies, Small Group coverage is "guarantee issue" by California law. You cannot be denied coverage or charged more than +/- 10% of the standard rate, regardless of any group members' health history.

  • Cost Sharing - employeers are required to pay only a portion of employees' monthly premiums. The traditional employer's share is 50%, but with some plans can be as low as 25% or $50 per employee.
  • Tax Advantages - Small Group premiums are treated as a general business expense. That means that employer contributions may be 100% tax deductible. Section 125 of the Federal Tax Code gives employers the opportunity to save even more on payroll taxes.
  • Very small groups can qualify - you only need two (2) eligible employees in your company to qualify.
  • Federal Income Tax Credits are now available for small business owners who sponsor group health plans. The Affordable Care Act includes an income tax credit of up to 35% of the employer's contributions to employees' group plans premiums. To qualify the business would have 25 or fewer employees making an average annual wage of $40,000 or less. Click here for IRS information.

Offering health coverage to your employees can help you to recruit and retain the quality workers who can help to make your business successful. In a recent survey, small employers gave the reasons for offering health benefits to their workers:

  • 80% report that it helps with recruitment and retention
  • 70% report that it increases productivity by keeping employees healthy
  • 68% report that it reduces absenteeism by keeping workers & their families healthy

And because health insurance premiums are treated as a general business expense, they may be 100% tax-deductible. It's a win-win situation - you can offer your employees the health coverage they deserve while creating a tax advantage for your business.

We offer a wide selection of plans from the major carriers. Because every group is different, we take the time with you to select the right plans so you can make the right decision for your group. You will find that adding supplemental accident and income disability coverage is flexible and affordable. Let us go to work for you to compare coverages & rates from multiple carriers for your business group. Just fill out our no obligation group health insurance quote form and a broker will contact you today.

Or just contact us.  We're always glad to help!

AdvoCare Insurance Services

2450 Washington Ave., Suite 190
San Leandro, CA 94577

Phone

(510) 352-7522

Fax

(510) 352-7525

Insurance Brokers

Brian J. Schroeder - LUTCF
Imre von Komarnicki