Health Insurance for Businesses

Health Insurance for Businesses

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We cover businesses on group health insurance plans ranging from 1-250 employees. Learn about the options that make sense for your business.

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If you started a new business or want to cover the employees of your existing company, let us help you enroll in employer sponsored coverage for your employees on or off the exchange. Plan options available include small business plans directly with the insurance carriers, tax savings accounts (e.g. HSAHRAFSA) and employer plans through Obamacare (SHOP)

Group Health Insurance

Offering benefits to your employees helps protect your investment and show that you value a thriving and healthy workforce.  At J.S. Downey Insurance, we can help your small business compare plan options and see what best fits the budget of the employer (business owner) and the medical needs of the employees.  We will explore the provider networks and make sure the doctors and hospitals you need are offered in the plans you are considering.

We can provide a quote for your employer group for all of the major insurance carriers in California, as well as voluntary benefits including dental, vision, life, and much more.  We will also explore health savings accounts and other tax saving, consumer-directed options and show you how to maximize your benefits while still saving money.  We help you understand the underwriting requirements, plans, rates, copays, deductibles, and benefits, and help each employee with enrollment -- all in a simplified, painless process.

Employer Group Insurance through the Affordable Care Act

Businesses with 50 employees or fewer can offer Small Business Health Options Program (SHOP) plans to their employees, starting any month of the year through the Affordable Care Act.  Company insurance plans through SHOP can qualify employers for tax credits if enrolled through the Covered California Marketplace SHOP program (as opposed to going direct to the carriers).  Businesses with fewer than 25 full-time employees and average salaries below $50,000 can qualify for a tax credit worth up to 50% of their premiums.