Yes, Small Business Insurance can be Affordable

According to our California state assembly on jobs and economic development, small businesses (1-100 employees) play a significant role in the state's $2.3 trillion economy and employ over 7 million people (and has become a large portion of the health insurance marketplace).

As a small business owner with a small profit margin, you may think insurance is out of reach for you or your employees.  However, through various programs available (including SHOP through the Affordable Care Act), different benefit options (such as HSA's and high deductible plans), and applicable tax deductions, it may be much easier than you realized.

Apply by the 15th of the month to be effective on the 1st of the following month.

If you started a new business or want to cover the employees of your existing company (1-250 employees), we can help you enroll in employer sponsored coverage for your employees on or off the exchange.

Health Insurance for Businesses

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 proposal 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, compliance, 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 (a.k.a. Obamacare)

Image by Pexels

Image by Pexels

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 (Obamacare).  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.


If you are self-employed, you have several options on health and dental insurance benefits.  Small group health insurance may work best if you have employees as a Sole Proprietor or Partner, but an Individual plan may work best if you have no employees.

We Want To Help Make Your Business Life Easier

Whether you are growing your small or large business, are self-employed, and whether you want to use Obamacare or insure yourself (or your employees) directly with a carrier, we can help.  As insurance brokers in San Diego with decades of experience, our staff has the tools and resources to find the best coverage options to fit the needs and budget of your unique business while keeping up effortlessly with compliance and mandates.