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Employee Benefits coverage

Group Health Insurance

Once you hit 50 full-time employees, the ACA employer mandate requires you to offer affordable health coverage or face IRS penalties — so at that size it stops being optional. Below that threshold it's still one of the first things candidates ask about, and a strong plan is often the deciding factor in whether good people join and stay.

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Who this coverage is for

This is for California employers who want to offer a medical plan to their employees, whether you are a startup hiring your first few people or an established company with a growing team. It fits owners and HR staff who want a competitive benefit to attract and keep good workers without becoming insurance experts themselves.

What it can help protect

A group health plan gives your team access to medical care and helps your business stand out as an employer. Here is what it commonly supports:

  • Recruiting and retention — a solid health plan is often the first thing candidates ask about, and it helps you keep the people you already have.
  • Doctor and hospital access — employees and their families can get care through the plan's network of providers.
  • Cost sharing — the business and employees typically split premiums, so you can offer strong coverage while managing your budget.
  • Tax advantages — employer contributions are generally tax deductible, and employee premiums are often paid pre-tax.
  • Predictable planning — a defined plan and renewal cycle make it easier to budget for benefits year to year.
Regularly misunderstood coverages
Fully-Insured vs. Self-/Level-Funded

Two ways to fund your health plan.

Related comparisons:

Key choices and underwriting factors

A licensed review will usually focus on employee census and geography, budget and employer contribution goals, and current participation and admin workflow.

Common Questions