Patton Insurance AgencySmall Business Health Insurance for California Employers
Offering health insurance helps you hire and keep good people. We make the process simpler.
Request a Benefits ReviewPlans for 1 to 100 employees
We compare HMO, PPO, EPO and high-deductible plans from all major medical carriers and explain the trade-offs in cost, network and coverage. Plan availability and pricing vary by carrier and are subject to underwriting.
What we handle
- Carrier comparison and plan design
- Eligibility, enrollment and new-hire setup
- Renewal review every year
- Ongoing help for you and your employees
Frequently asked questions
What is the minimum participation requirement?
Carriers typically require a minimum percentage of eligible employees to enroll, often around 70%, and some require a minimum number of enrolled employees. Employees with other qualifying coverage can usually be excluded from the count. Requirements vary by carrier.
How much must the employer contribute?
Carriers generally require the employer to pay a minimum share of employee-only premium, commonly 50%. The exact rule depends on the carrier and plan.
When should we start the renewal process?
Ideally 90 to 120 days before your renewal date, so there is time to review options and meet enrollment deadlines.
How many employees qualify as small group in California?
California defines small group as 1 to 100 eligible employees. Owners with at least one W-2 employee other than a spouse can often qualify.
What does a broker cost the employer?
In most cases carrier commissions are built into the premium, so the employer does not pay a separate broker fee. Premiums are the same whether you use a broker or not for most fully insured plans.
Can we switch carriers mid-year?
Group coverage can generally be moved at renewal or when a carrier allows a new effective date. We will review timing and any penalties before recommending a change.
Ready to look at your options?
Tell us about your group and we will review your current plan, renewal and alternatives. There is no cost or obligation for a benefits review.