GROUP HEALTH INSURANCE

Group health insurance is a health plan offered by an employer to employees. The employer typically shares the cost of premiums, helping employees access more affordable healthcare coverage.

In California, businesses generally need at least one full time, W2 employee in addition to the owner to qualify for group health insurance. Some plans allow coverage for small teams of 2-100 employees.

Employers are not required to offer health insurance unless they have 50 or more full-time employees, but if they do offer a plan, carriers typically require the employer to contribute at least 50% of the employee premium.

Yes. Most group health plans allow employees to add spouses and dependents, although the employer usually only contributes toward the employee’s premium.

Group health plans can usually start on the first of any month, as long as the application and paperwork are submitted in advance.

In many cases, yes. Group plans often provide broader networks and more stable pricing because the risk is spread across multiple employees.

Most group plans can be set up in 1–3 weeks, depending on the carrier and how quickly employee information is submitted.

Typically, we need: • Business ZIP code • Number of employees • Employee ages or dates of birth • Whether dependents will be covered

Infini Insurance Services helps businesses compare group health plans from multiple carriers, understand employer contribution options, and set up a benefits package that works for both employers and employees.

Covered CA for Small Business is the state’s health insurance marketplace where small businesses with 1-100 employees can offer affordable, quality health coverage to their employees. It allows employers to compare plans, control costs, and potentially qualify for tax credits.