Group Health Insurance in California

Deductible HMO Plans

Many small businesses find that choosing plans with a deductible substantially decreases the premiums on their California group health insurance. These plans include some benefits before the deductible is met. Some commonly utilized benefits such as doctor visits and prescription drugs are covered immediately with a copayment once you are enrolled. For example, primary and specialty care visits only require a $30 or $40 copayment which is not subject to the deductible. Click on the links below to view Plan Highlights.

• $30/$1,000 Deductible HMO Plan
• $30/$1,500 Deductible HMO Plan - Most Popular!
• $40/$2,000 Deductible HMO Plan

Deductible Plans with HSA

Kaiser Permanente offers HSA-qualified plans. These California business health insurance plans are government-qualified so that employees may open a health savings account at the financial institution of their choice. Financial institutions offering HSA's include Wells Fargo, Patelco Credit Union, and many others. Contributions may be made to these accounts by employers or employees, and these contributions may be deducted from federal taxes. The health savings account and the funds contained therein are the property of the employees and remain with the employees from year to year even if they cancel their group health insurance California coverage or discontinue working for the business. California employers may contribute to these accounts as part of a rewards program or simply pay into them to give their employees added benefits.

• $0/$1,500 Deductible Plan w/HSA - No longer available to new members
• $0/$2,000 Deductible Plan w/HSA - New!
• $0/$2,700 Deductible Plan w/HSA
• $30/$2,700 Deductible Plan w/HSA - No longer available to new members
• $30/$3,000 Deductible Plan w/HSA - New!

Point of Service Plan

Can't decide between HMO and PPO coverage? This plan might be for you. Kaiser Permanente's $35 POS Plan is only offered in the California group health insurance package. Members on this plan receive discounted rates at the point of service on both HMO and PPO coverage. When you receive service through the HMO offering the savings are greater, but if at times you still want to receive care outside of Kaiser Permanente, this plan also offers coverage out of the Kaiser network. There are three tiers: 1. HMO: When you receive care within Kaiser Permanente, you will get the greatest savings. 2. PPO through the PHCS Provider Network: This network opens up opportunities to receive care outside of Kaiser Permanente. This gives you more flexibility in your options at slightly more expensive prices. 3. Non-participating Providers: You have the freedom (at a greater cost) to utilize providers both outside of Kaiser Permanente and outside of the PHCS Provider Network.

• $35 POS Plan

Preferred Provider Organization Plans

These California Group Medical PPO Plans are similar to the $35 POS Plan except that they do not include coverage within the Kaiser Permanente HMO Network. These Group Health California Plans offer two tiers of coverage and pricing: 1. PPO Care (through the PHCS Network of providers) - offering care at lower prices. 2. Out-of-Network Providers - allows you to pay higher costs in order to see providers outside of the PHCS Provider Network. These California group medical insurance plans do not include coverage within Kaiser Permanente.

• $40/$1,000 PPO Plan
• $40/$2,500 PPO Plan

California Business Health Insurance Benefits Employers

Small business owners choose California group health insurance for a variety of reasons. Often, small business owners with employees offer Group Medical California Plans in an effort to retain quality employees. Business owners realize that they attract more applicants and are more successful in retaining productive employees when they offer California business health insurance benefits. For individuals with pre-existing health conditions, Business Health California Plans may be their only affordable healthcare option. Even small business owners with few or no employees often choose California Group Medical Plans because this type of group coverage is not deniable for pre-existing health conditions. Mandated by state law, no medical questions are asked and no physical is required for California small business health insurance. Other non-group types of coverage require medical underwriting and deny many applicants with pre-existing health conditions.

Kaiser Permanente, a Leader in California Group Health Insurance

As the leading HMO in the state, Kaiser Permanente offers high quality California group health plans at affordable prices. Business owners and employees get the most for their money when they choose Kaiser Permanente for affordable California group health insurance. Since 2008, Kaiser Permanente has also offered PPO coverage which can stand alongside the HMO company healthcare plans. With Kaiser Permanente Insurance Company (KPIC) putting 80-90% of your monthly premiums toward improving your healthcare, few companies can compete with the quality of the California small business health insurance offered by Kaiser Permanente.

Eligibility Requirements for Group Health insurance California Coverage

Those applying for California Small Business Insurance must have two or more employees (or owners) who qualify for group coverage. Employees must work 20 hours or more and be paid on W-2's. Kaiser Permanente does not offer Business Health Insurance California Plans to employees that are paid on 1099's. Husband-wife businesses and the self-employed often qualify for Self Employed Health Plans.

Employer Contributions on Group Medical California Plans

The state requires a minimum contribution amount for owners who offer group health insurance California coverage to their employees. However, employers may contribute up to the full amount of their employees' premiums. The business must contribute a minimum of 50% of the cost of the lowest age band for the least expensive California group medical plan being offered. For example, if the premium for the less than 30 age band on the least expensive plan was $210, the employer would be required to pay at least $105 toward health insurance coverage for each employee. The remaining premium would be taken out of the employee's paycheck through payroll deductions. Groups who wish to add dental coverage are not required to contribute toward the dental premium. Employers may pay a specific dollar amount or a percentage as long as the payment for each employee exceeds the minimum contribution amount on the Group Medical California Plan.

Group Health insurance California Cost Factors

Your California group health quote is determined based on location, number of employees, ages of employees, and plan type. Small businesses enrolling with Kaiser Permanente receive price breaks at 6 enrolled employees and 15 enrolled employees. Businesses with 51 or more employees who wish to get California group health quotes should be aware that large businesses qualify for specialized group health insurance prices. Employers looking to keep business costs down may wish to offer more affordable Business Medical California Plans such as the Kaiser Permanente HMO $30/$1,500 Deductible Plan. This plan offers low cost monthly premiums and copays (before the deductible) for doctor visits and prescription drugs.

Dependent Coverage on Group Health California Plans

After you click the "Get quotes" link above and enter your business information, you will be able to enter the ages of your employees and note the dependents that you wish to cover on your California business medical insurance plan. Businesses are not required to offer dependent coverage, but many employers do so in order to encourage employee retention.

Common Questions about California Group Health Insurance Plan Coverage