When it comes to low-cost and affordable group medical insurance plans and rates in California, it’s important for employers to do their research before settling on a plan. There are quite a few things that both employers and employees should know about group health insurance plans for businesses in California.  Carriers we carry are Aetna, Anthem, Blue Shield, Kaiser, United HealthCare-HealthNet, Oscar, and Molina.

Prior to the Affordable Care Act (ACA), the rates for an employee’s dependents were based strictly on the employee’s age. But now, each dependent’s age is taken into consideration as well. Coupled with the employer’s choice to offer either one overall plan or let employees choose from a wide range, employees need to decide what they need in an insurance plan before they sign up.

On the employer’s end, examining the price of health care can be important as well. Employers may not know that they can choose to exclude expensive medical facilities from the plan (or plans) they choose to offer. Excluding those, employees can get a higher level of coverage at a lower cost.