If you employ 2 or more people in California, you can offer group health insurance. We help employers compare every competitive carrier, design a contribution strategy, and manage the plan year-round.
Any California business with 1 or more W-2 employees can offer group coverage. Most carriers require at least 2 enrolled employees. Sole proprietors with no employees typically use individual plans instead.
Premiums depend on your group's size, employee ages, region, and plan design. In 2026, a Gold-tier plan for a 10-person group in the Bay Area typically runs $600–$900 per employee per month. Employers must contribute at least 50% of the employee-only premium.
New groups can start coverage any month of the year. Renewals happen annually on your plan's effective date. We recommend shopping the market 60–90 days before renewal to compare options and negotiate.
HMOs (like Kaiser) cost less but limit provider choice. PPOs offer more flexibility and out-of-network coverage. HDHPs pair with HSAs for tax-advantaged savings. Most groups benefit from offering at least two options.
California employers with fewer than 50 full-time equivalent employees are not required to offer health insurance under the ACA. But offering coverage helps attract and retain talent — and the tax benefits can be significant.
Yes. Broker compensation is already built into the premium — you pay the same rate either way. So you might as well have expert guidance, plan comparison, and year-round support working for you.
We're an independent brokerage. We shop all competitive carriers to find the right fit for your team and budget.
Plus dental, vision, life, disability, and voluntary benefits from Guardian, MetLife, Principal, Delta Dental, VSP, and more. See all carriers →
How many employees, where they're located, what you offer now (if anything), and when you need coverage to start or renew.
We quote every competitive carrier and lay the options side by side — real rates, real plans, clear trade-offs. No guessing.
We'll tell you what we'd do if it were our company. But you decide. We handle enrollment, carrier setup, and employee communications.
Claims issues, mid-year changes, new hires, terminations, compliance questions, renewal negotiation. This is a year-round relationship.
Tell us about your team and we'll build a benefits comparison — no obligation, no pressure.
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