Office
Corona, CA
Call
951-638-0500
staff@healthcareinsurancesolutions.com
Business Insurance FAQs
Eligibility Guidelines
You are eligible for Covered California for Small Business if:
- You have at least ONE but NO MORE than 100 eligible employees and meet certain contribution and participation requirements.
- You have at least ONE employee who receives a W-2.
- The MAJORITY of your eligible employees live in California.
You are eligible for Covered California for Small Business if you have 100 or fewer full-time-equivalent employees.
If you are a sole proprietor, with no W-2-receiving employees, you may be eligible to purchase coverage through Covered California’s individual marketplace.
Employees who are not eligible for coverage include those employees who work less than 20 hours per week, receive a Form 1099 or are seasonal or temporary employees.
What is a full-time-equivalent employee?
For the purposes of determining whether an employer is a small or large employer as defined by the Patient Protection and Affordable Care Act and applicable California law, the employer is required to calculate its total number of “full-time-equivalent” (FTE) employees. This number determines whether the employer is eligible to participate in Covered California for Small Business
An FTE employee is not an actual employee, but a calculation involving all part-time and full-time employees who worked during the preceding calendar year (or who are reasonably expected to work in the current calendar year if the employer did not exist in the prior year).
If the final figure exceeds 100, then the employer is a large employer under California law. For coverage starting Jan. 1, 2016, if the final figure is 100 or less, then the employer is a small employer that is eligible for Covered California for Small Business.
What should I know about calculating full-time-equivalent employees?
- Calculating the total FTE employee count is your responsibility as an employer.
- Employers that have more than 100 FTE employees are not eligible for Covered California for Small Business.
- Not all FTE employees may be eligible for coverage with Covered California for Small Business. Employees who are eligible for coverage include:
- Full-time employees (those who work 30 or more hours per week).
- Part-time employees (those who work 20-29 hours per week) at the employer’s discretion.
Employees who are not eligible for coverage include those employees who work less than 20 hours per week, receive a Form 1099 or are seasonal or temporary employees.
HOW CAN WE HELP YOUR BUSINESS?
As a Covered California agency, we can help small businesses find health insurance for your employees that fits your budget and theirs.
You decide the level of coverage and how much to contribute toward your employees’ health insurance premiums. Then you and your employees select the plan that fits your budget.
Choose from HMO and PPO plans from Blue Shield of California, Health Net, Kaiser Permanente, Oscar and Sharp Health Plan. CCSB provides access to the broadest network of physicians and hospitals in California.
Benefits for Your Business
MyCCSB portal enables you to complete the initial enrollment process all online. You can manage your account, make plan changes, update employee information, renew your coverage and more!
Billing is simple with all health insurance premiums on one consolidated monthly invoice. Pay online using MyCCSB for added convenience.
Federal tax credits to lower the cost of coverage are available to qualifying small businesses.
Benefits for Your Employees
Peace of mind and financial protection in case of a major accident or illness.
Compare and choose health insurance plans, costs, doctors and hospitals.
Control costs by choosing the plan that fits your employees’ needs and your budget.
Office:
Corona, CA
Call:
951-638-0500
Email: staff@healthcareinsurancesolutions.com
Site: www.healthcareinsurancesolutions.com
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Healthcare Insurance Solutions is not connected with the Federal Medicare program.
This is a solicitation for insurance and a licensed agent may contact you. This website is owned and maintained by Healthcare Insurance Solutions, which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content.
The e-mail addresses and telephone number that appears throughout this site belong to Healthcare Insurance Solutions and cannot be used to contact Covered California.