Question 1

What is Covered CA for Small Business?

Accepted Answer

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.

Question 2

Who qualifies as a small business for Covered CA?

Accepted Answer

A small business in CA is defined as having between 1 and 100 full-time equivalent employees. Businesses within this range are eligible to purchase group health insurance through Covered CA for Small Business.

Question 3

What types of health plans are available for small businesses?

Accepted Answer

Covered CA for Small Business offers a variety of health plans across different levels of coverage: Bronze, Silver, Gold, and Platinum. These plans are provided by well-known insurance carriers and differ by the percentage of healthcare costs covered by the plan and the monthly premium.

Question 4

Can my small business qualify for a tax credit by offering health insurance?

Accepted Answer

Yes, small businesses with fewer than 25 full-time equivalent employees that offer health insurance through Covered CA may qualify for a Small Business Health Care Tax Credit. The credit is based on your average employee wages, number of employees, and the percentage of the premium you pay as the employer.

Question 5

When can my business enroll in Covered CA for Small Business?

Accepted Answer

Unlike individual plans, small businesses can enroll in Covered CA for Small Business at any time during the year. There is no specific open enrollment period, making it flexible for businesses to start offering coverage when it works best for them. Book an appointment with us today to get started!

Question 6

What happens if my business grows beyond 100 employees?

Accepted Answer

If your business grows beyond 100 full-time equivalent employees, you may no longer qualify for Covered CA for Small Business and will need to explore other group health insurance options, such as large group plans. Covered CA can provide guidance on transitioning to a large group plan if needed.

Speak with a licensed insurance agent: (619) 637-9427

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